vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: MO

Complaint narrative:
I have negative remarks that have been disputed with said companies and 30 days has passed and no updates to the request to remove the accounts that violate FCRA guidelines, and this is my second request for removal of these incorrectly listed items, the items are not reporting accurately to the credit bureaus. I have requested these entities remove these inaccurate ratings against my credit report causing severe hardship against my credit score that is in direct violation of FCRA guidelines.

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 2023-03-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
According to the FCRA, in order for you to furnish the alleged US BANKRUCTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to any of the CRA 's. Including but not limited to 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX, XXXX 's and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligations to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX XXXX that they were not able to validate those alleged bankruptcy in accordance with federal law. 

Having the abovementioned information XXXX, XXXX and Transunion is voilating my federally protected consumer rights. In addition to that violation you are also commiting fraud since you claim to have verified this bankruptcy but sources deny that. Should you need a reminder.. please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information.

I am hereby demanding this entry be permanently removed from consumer file within 30 days from the day you RECIEVE this letter. Should you chose to be negligent in rectifying my affairs. I will follow up with a complaint to CFPB and initiate monetary arbitration is small claims against XXXX, XXXX and Transunion Warm Regards 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 2023-03-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
According to the FCRA, in order for you to furnish the alleged US BANKRUCTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to any of the CRA 's. Including but not limited to 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX, XXXX 's and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligations to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX XXXX that they were not able to validate those alleged bankruptcy in accordance with federal law. 

Having the abovementioned information XXXX, Equifax and XXXX is voilating my federally protected consumer rights. In addition to that violation you are also commiting fraud since you claim to have verified this bankruptcy but sources deny that. Should you need a reminder.. please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information.

I am hereby demanding this entry be permanently removed from consumer file within 30 days from the day you RECIEVE this letter. Should you chose to be negligent in rectifying my affairs. I will follow up with a complaint to CFPB and initiate monetary arbitration is small claims against XXXX, Equifax and XXXX Warm Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My student loans were paid off/forgiven in XX/XX/2023 with XXXX. I received a letter stated that I have a XXXX balance and no longer owe money to XXXX or Dept Education.

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 2023-03-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My student loans were paid off/forgiven in XX/XX/2023 with XXXX. I received a letter stated that I have a XXXX balance and no longer owe money to XXXX or Dept Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
I received a phone call about a missed payment in XXXX of XXXX from Kays Jewlerys/Comenity Bank . I spoke with the woman told her not only had I paid XX/XX/XXXX but the XXXX payment as well. She said they had not received it. I was directed to contact my banks bill pay to send proof of payment and send it to the secure message center. I promptly did so. After that I never heard from Kays again until the XXXX bill came with a late fee so I called to ask about it. They said again they never received anything. So, I spoke with a supervisor who asked me to send it again and mail the proof. On that same call I said in good faith I would pay the entire about that was left on the card with the exception of the fees for the missed payments and the sum of those payments. I paid {$140.00} which was the amount given to me by the supervisor. 

After that I received multiple letters that said they would not charge me or turn the payments into collections while my account was in dispute. 

It is currently XX/XX/XXXX and I have received eight of those same letters that also say my dispute will be resolved in 90days or less. I have been charged over {$800.00} in fees. No one has ever contacted me from the company. I have sent emails, called multiple times each month, sent over 20 secure messages, mailed five letters of proof to different kays entities, and even went to the local store three times to try to figure this out. The Manager of the local Kays has called on my behalf three times and has been met with the same rudeness and unwillingness to help. Constantly I am met with no help, unkindness, and absolutely no results. My bank has also tried to find results and is working to file an improper endorsement claim against them. As we have proof that the checks were received and cashed by comenity bank. 

Prior to this I had an XXXX credit score and 11 year credit history with XXXX missed payments. My credit is now XXXX because of this delinquency. I have done my due diligence to take care of this and no one will help me. I am happy to pay for something I bought but I shouldnt have to pay for it multiple times or for fees I didnt cause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: FL

Complaint narrative:
I originally took out a loan on XX/XX/XXXX through the company XXXX in the amount of XXXX XXXX This amount came to me as a borrow and save plan. They gave me a cash amount at the start of the loan in the amount of XXXX XXXX and the remaining balance would be placed into a savings account as I paid a biweekly payment of XXXX XXXX until the balance was reached and paid in full. On XX/XX/XXXX the account was transferred to a different company called SST, Or Systems and services technologies inc. at this time I was advised that no changes will be made to my original contract and that SST would be handling my account further. I was also advised that the savings account that was originally set up by XXXX XXXX XXXX in part with the XXXX account, would be safe and secure and released to me 14 days after the final pay off was made. On XX/XX/XXXX, I made the final payment of XXXX $ to SST. This left my savings account balance at XXXX $ that would be sent to my checking account 14 days after pay off was made. I was advised when calling to make that final payment that I would get the funds my XX/XX/XXXX. I called on XX/XX/XXXX to make sure that my account information was received correctly and I was advised that they had all of the correct information and that the funds would now be released on the XXXX day after final payment and the call center rep stated that I should receive the funds into my account by XX/XX/XXXX. 

I reached out to SST today XX/XX/XXXX at the number XXXX to inquire what the status was of my savings account balance being released to me. The agent stated that there was no time frame available to give me as to when I would get my money. She stated that cross river bank had the funds and were holding them and many accounts were not granted their savings returns. I asked what I needed to do to get this money that is owed to me per my original contract with XXXX and she stated that all she could say was to wait and see if they arrive. They have no information on where my money is, but they received my final payment. As per the contract I was supposed to have the funds sent to me within 14 days. At this time there is no movement being made by SST to pay me what I am owed per the contract I signed. At this time I have no clue if I will ever see these funds. I discovered through various reviews of other customers that this is an ongoing issue with this company and no one is getting their money from their borrow and grow accounts as originally planned. This is very frustrating and bad business. I simply want the money that I paid into this account that I am owed. At this point I have paid more than both the original cash amount given and interest have accrued and they have essentially stollen XXXX $ from me with what seems to be no intention of paying it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize any of the hard inquires listed I notice these on my credit report XX/XX/XXXX, I have file a police report and a identity theft report 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 XXXXXX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: WA

Complaint narrative:
Company : XXXX XXXX Account number : XXXX Account type : Secured Loan Date opened : XX/XX/XXXX Status : Account charged off. {$700.00} written off. {$350.00} past due as of XX/XX/XXXX. 

XXXX updated : XX/XX/XXXX Balance : {$400.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.

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 2023-03-29 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol one has committed fraud by allowing {$450.00} I spoke XXXX ID XXXX in the Fraud and Disputes department and they still show the charge on our. I requested to open fraud case to be open XX/XX/23 at XXXX CST and she refused. Please assist us this matter. She unable and unwill to transfer to a higher level supervisor or teammate, I have provided documents showing I don't own the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a late payment from XXXX XXXX XXXX because the lady I spoke to didnt speak English very well and we had a misunderstanding. I was calling during the peak of Covid and called to do a payment deferral. I thought the deferral was submitted but I didnt understand the lady had told me I had to sign something that she emailed me and return it. So not knowing I was supposed to sign the paperwork she emailed I received a late payment. I sent XXXX a letter explaining everything now Experian is reporting different late payments on the Experian website it says I was late XX/XX/XXXX. Its reporting late XX/XX/XXXX on XXXX XXXX Since its not reporting accurately Id request that all late payments from XXXX be removed from my credit report with all 3 credit bureaus. Thank you in advance.

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My bank card was stolen and somebody did refunds from my transaction and ask for the money back and took the the money out my account and now the bank want credit the money back into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached 2 FTC reports with accounts and inquiries I did not authorize

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 2023-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
Hello. This is about Chime. The support department is refusing to honor a referral bonus request made after several of their employees promised me that myself and the person i referred would receive that bonus in return for our patience due to a mistake on their part. 

they are now constantly trying to convince me that they did not say this when the line was recorded and three different people already promised that the bonus would be applied to the accounts in question. this is not about the bonus anymore this is about rectifying the fact that we were lied to and honoring a promise made. they have been rude, belligerent and quite unhelpful. despite the fact that we would have never made the account with them had we known how willing they are to lie to their customers. do not make a account with chime. it is the height of false advertising ... and their customer service lies to you to get you to agree with them making false claims and false representations about their accounts and services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I am making this claim against chase because I personally deposited a check that the insurance company sent me on XX/XX/XXXX. They told me that the funds were going to be available on XX/XX/XXXX and it was not like that, they withheld the check. For the amount of {$5300.00} I am not sure exactly the amount but it was impossible to take the check or to cancel it I went directly to the bank without knowing it the check was not signed by First Acceptance insurance, but the one who received the check at the bank I change it without any problem. The 8 days passed that the funds would not be released until they contacted the XXXX XXXX company and they gave them authorization of all the telephone numbers they said that they did not give authorization when it was lies XXXX XXXX was willing to help me so that I could recover my vehicle. They told me a different story that every time I called that XXXX XXXXXXXX needed someone of theirs to go personally to authorize that check, that the number I provided was not from XXXX XXXXXXXX or that it was not authorized in the system I was so frustrated since my vehicle was in an auto body and paint repair shop that I called the insurance company to cancel the check or try to do something but it was impossible because they had already cashed the check in my account but it was withheld and my account was closed to this day I have problems, that's why I lost my job, the car was taken by the financier from the workshop because I had no way to pay the amount of the damage to the vehicle I don't have a copy of the check because I personally left it in the bank. This surprised even the people who work at chase because I told them that it was very strange why they didn't cancel the check or send it back. This is all because they kept the check using my funds without the ability to release the funds to me or return or give me the opportunity to get my funds back. 
I would ask you to please help me resolve this case since the amount of this payment arrangement is still owed to my account, my credit was damaged, there were many damages caused to me by this situation. now mimes I opened an account with chase with the hope that they will solve something for me and I deposited 2 insurance checks, XXXX for a XXXX dollars and the other for XXXX and they also retained the XXXX check I would like to please get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I've been working on repairing my credit for the past month or so. I've asked to update my personal information due the fact that they have all of my old addresses and misspelling of my names on my personal report. I would like for these to be deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I've been working on repairing my credit for the past month or so. I've asked to update my personal information due the fact that they have all of my old addresses and misspelling of my names on my personal report. I would like for these to be deleted as soon as possible.

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 2023-03-29 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 — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
I applied for a Prosper card around XX/XX/2022. Due to a number of relocations and emergencies, I never received the card which was shipped to an old address. In the meantime, the card was lost/stolen and thieves spent approximately {$1100.00} ( my entire credit limit ). I have been on the phone with Prosper on multiple occasions, and they have been having a difficult time marking all of the transactions involved. Meanwhile, I can not seem to have online access to the account due to the holdup. It is also reflecting on my credit report that my card is maxed out.

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