vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: OH

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX Account Number : XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX  XXXX Account XXXX Please remove it from my credit report. 

US DEPT ED Account XXXX This is not mine. 

XXXX - Account XXXX Please investigate and delete it from my credit report. 

XXXX XXXX - Account XXXX My parent has the same name as me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: OH

Complaint narrative:
I am writing to formally lodge a complaint against Ed Financial, my student loan servicer, regarding a significant payment discrepancy that has caused undue distress and inconvenience. On XX/XX/2024, I made a payment of {$2400.00} to settle my third loan obligation. Regrettably, despite the deduction from my bank account, the payment has not reflected on my Ed Financial account. 

Following standard procedure, I patiently waited for several days to allow for processing time. However, upon checking my Ed Financial account online, the payment remained unrecorded. Concerned by this discrepancy, I promptly contacted Ed Financial to seek clarification and resolution. To my dismay, their representative confirmed that they had not received the payment and requested documentation evidencing the transaction, specifically a bank statement. 

Complying with their request, I promptly provided the requested documentation. However, the subsequent handling of the matter by Ed Financial has been deeply unsatisfactory. Despite their initial assurance of a 5 to 7-day resolution timeline, upon my follow-up two weeks later, I was informed that the resolution process would extend to an additional 30 to 45 days.

This extended delay, coupled with the lack of transparency regarding the status of my payment, has left me deeply frustrated and concerned. As a borrower, I have fulfilled my financial obligation, yet I am left in limbo with no definitive timeline for resolution. This situation not only undermines my confidence in Ed Financial 's competence but also raises questions regarding their integrity and commitment to customer service. 

The sum in question, nearly {$2500.00}, is substantial and its delayed processing without adequate explanation or timeframe estimation feels unjust and bordering on fraudulent. As a responsible borrower, I have adhered to the terms of my loan agreement and expect the same level of diligence and accountability from my loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The " Convert Rewards '' tile does not work/verification does not work. 

When trying to convert my rewards I am prompted to verify my identity by entering my phone number. When I enter my phone number, which is the same as in my account, I get an error message that the system does not find my phone number matching my name. 

The system precludes me from using my rewards in the way I want. 

I have contacted Capital One technical support multiple times but they refused to help saying that's how the system works and they can not do anything about it. 

The problem has been around for months and Capital One has not yet resolved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 explanation
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
On the date of XX/XX/XXXX an account with XXXX XXXX was opened account was listed as charged off for {$29000.00} listed as past due XX/XX/XXXX. Also with this company an account was open on XX/XX/XXXX and listed as charged off for {$610.00} written off as past due XX/XX/XXXX With XXXX XXXX  XXXX an account was opened on XX/XX/XXXX listed as charged off for {$27000.00} written off XXXX past due XX/XX/XXXX With XXXX XXXX XXXX XXXX opened XX/XX/XXXX an open balance for {$5200.00} and a past due balance of XXXX on XX/XX/XXXX was listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
On the date of XX/XX/XXXX an account with XXXX XXXX was opened account was listed as charged off for {$29000.00} listed as past due XX/XX/XXXX. Also with this company an account was open on XX/XX/XXXX and listed as charged off for {$610.00} written off as past due XX/XX/XXXX With XXXX XXXX  XXXX an account was opened on XX/XX/XXXX listed as charged off for {$27000.00} written off XXXX past due XX/XX/XXXX With XXXX XXXX XXXX XXXX opened XX/XX/XXXX an open balance for {$5200.00} and a past due balance of XXXX on XX/XX/XXXX was listed

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 2024-03-11 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 earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.

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 2024-03-11 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: NC

Complaint narrative:
An account with XXXX XXXX is reporting on inaccurately with XXXX, Equifax and XXXX. The discrepancies in reporting includes the following : ( 1 ) Date Opened ; ( 2 ) Date Last Active ; and ( 3 ) Payment History. Account to my credit report, XXXX is not reporting a payment history ; XXXX is reporting a repossession and Equifax is reporting that my account is in good standing. I have attached a copy of the account as it is recorded on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: NC

Complaint narrative:
An account with XXXX XXXX is reporting on inaccurately with XXXX, XXXX and Experian. The discrepancies in reporting includes the following : ( 1 ) Date Opened ; ( 2 ) Date Last Active ; and ( 3 ) Payment History. Account to my credit report, XXXX is not reporting a payment history ; Experian is reporting a repossession and XXXX is reporting that my account is in good standing. I have attached a copy of the account as it is recorded 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 explanation
Consumer complaint received 2024-03-11 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: GA

Complaint narrative:
XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MD

Complaint narrative:
This debt was paid in full to the original owner. I notified the collection agency to remove the debt they refused.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Venmo decided to randomly suspend my account on Sunday, XX/XX/XXXX. I had a balance of {$1300.00} at the time they suspended it, plus a pending sale of Litecoin for XXXX that is expected to settle on XX/XX/XXXX. Why IS MY ACCOUNT SUSPENDED I DID NOTHING BESIDES BUY LITECOIN AND SELL IT, I HAVE OVER {$1200.00} IN THE ACCOUNT AND A PENDING SALE OF LITECOIN, this is ridiculous and I demand an explanation! YOU ARE CAUSING ME A SEVERE FINANCIAL HARDSHIP! I HAVE UPLOADED THE REQUESTED DOCUMENTATION IN THE FORM OF AN ID AND I DEMAND A RESOLUTION IMMEDIATELY! How can Venmo get away with this when some people like myself use it to pay bills and use the banking and debit card, by suspending my account for NO reason this has put me in a very difficult position financially as you I can not even transfer the money in the account to my linked bank account which has been linked for YEARS. Venmo/Paypal are completely in the wrong and should address matters like this instantly instead of causing havoc in peoples lives, this would never happen with a real bank, you would at least be able to get your money out. I demand an answer and my account to be unsuspended ASAP. Again- this has caused me severe hardship and I am willing to take this to small claims court. 

Note : I was asked to upload ID which I did immediately and have heard nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened up a dispute on XX/XX/23 on a {$4700.00} charge. I disputed the charge because it was a mechanic charge & the mechanic did not do the job AT ALL and the 18 wheeler had to be taken to a new mechanic to do the job correctly. 
I sent over XXXX different statements to Chase sapphire preferred from XXXX new mechanics, which all of them proved that the XXXX mechanic ( XXXX from XXXX XXXXXXXX XXXX ) did not do the job. 
I asked Chase several different times about a deadline & they gave me a general statement stating that it can takes months, it just depends I spoke to a female manager mid XXXX about our case & asking about a deadline and she ensured me that she would notate the case & never gave me a deadline. 
End of XXXX, my case was closed. 
When I called to ask why? A supervisor by the name of XXXX ( location XXXX XXXX ) stated that I did not give more information by the DEADLINE! when I told him that I asked about a deadline SEVERAL times and yall withheld that information from me, he said sorry, thats not going to change anything ) I spoke to another supervisor XXXX ( location XXXX XXXX ) he said that I can not appeal this decision and if I tried he said I cant guarantee that the case will end up in your favor, but I can guarantee that we will not change our decision! 

Which proves that they do not even give the consumers a fair shot at appealing wrongfully handled cases. 

I asked XXXX how was I supposed to know that more information was needed by a certain date & he said there was a statement within the app.

When I asked him to direct me to this area, he had a very difficult time finding this hidden information. I proceeded to tell him that not only was it difficult for him to find but ALSO 1 ) there was no notification that I had statements waiting for me. 2 ) I was told SEVERAL times if I wanted an update on my case to go to manage accounts then track disputes again this hidden information was NOT in the section I was told to look. 

While speaking to XXXX and XXXX. They both gave me different deadlines. 
XXXX said the deadline was XX/XX/XXXX. 
Then he said it was XX/XX/XXXX XXXX said it was XX/XX/XXXX The hidden statement on the app said it was XX/XX/XXXX. 
Online and throughout cardholders agreements it does not give a set in stone deadline about disputes. 
AND According to the FCBA consumers are supposed to be given up to 90 days to resolve these cases which my 90 days would be on XX/XX/XXXX, which has yet to come. 

It is clear to me now that information was withheld from me on purpose so that I would be forced to pay this charge. Chase knowingly hid this information from me & refused to give me a right and fair chance.

I would like this charge disputed as the mechanic charged us for work that was never done & the proof is there that it was never done!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I've received aggressive collection attempts from CREDIT CONTROL SERVICES , INC regarding a debt for insurance premiums owed to Progressive. Despite disputing the debt and informing them they're not licensed in New Jersey, they continue their efforts, causing undue stress. 

Their actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically USC 1692e, by engaging in deceptive collection practices. I request CFPB intervention to stop their unlawful actions. '' SUPPORTING DOCUMENT ARE ATTACHED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: NV

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 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 2024-03-11 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: OR

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 2024-03-11 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: OR

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 explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
All of my checking accounts, IRA accounts, and savings accounts were locked because Ally Bank says they are verifying my check deposits my checks were already held for the 3 business days before they deposited but then after that my accounts were flagged and I can no longer access online banking. All of my money is in these accounts and now I have no way of paying for anything. How am I going to get to work? Please please please expedite this investigation. Its creating a hardship for me as a XXXX veteran.

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