vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX has XXXX fraudulent inquiries in my credit report and I want them deleted off my credit report. I did not give anyone permission to use my credit report nor check my report this is how bad XXXX is, but yet they constantly have issues with data breaches and not having the best security, remove these credit inquiries, because they are not mine and I will provide screen shots of these inquiries to show they in fact on my credit report and also XXXX account thats on my report please have removed because its fraudulent I didnt open any XXXX 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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX has XXXX fraudulent inquiries in my credit report and I want them deleted off my credit report. I did not give anyone permission to use my credit report nor check my report this is how bad XXXX is, but yet they constantly have issues with data breaches and not having the best security, remove these credit inquiries, because they are not mine and I will provide screen shots of these inquiries to show they in fact on my credit report and also XXXX account thats on my report please have removed because its fraudulent I didnt open any XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I was able to take out multiple loans and lines of credit at XXXX different companies online. I feel that I shouldnt have been able to do that and now I dont have the income to repay at the extremely high interest rates. I feel these are predatory loans and loan sharks. They are unwilling to modify terms nor help.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-17 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: FL

Complaint narrative:
Requesting electronic forbearance every month since XX/XX/ to stop making payments due to financial issues. Have not received even one single confirmation or inbox message about my request being accepted/denied since then, even though the average time is 28 days. I have called multiple times and no one responds. My account is entering delinquency when I have been timely enough to enter this information multiple times. I have not had this issue previously with my last borrower, only with EdFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was finally able to get bank of America to issue me a working debit card so I can finally access my XXXX XXXX XXXX. I was able to spend about half of what monies was in the account. Bank of America had me go to the bank multiple times to verify my identity and now the bank says I can no longer access my funds. They have not told me of ways I can access the account. Also the XXXX XXXX  is expecting to get new cards issued by another bank and says we can request a check for remaining funds through bank of America in XXXX of 2024... I can not wait that long and need the funds now.

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 2023-12-17 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: TX

Complaint narrative:
Experian Original complaint XX/XX/2023 Case # XXXX Experian responded XX/XX/2023 but it was a generic response. However, the following is still incorrect according to MyFICO report dated XX/XX/2023. Requesting a specific response to the following items. 
- XXXX  XXXX XXXX XXXX XXXX was paid and should show accordingly. Also, this account is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- XXXX XXXX is still reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- XXXX XXXX is still reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- XXXX XXXX is still reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
Adding XXXX XXXX to this complaint. Account XXXX. This account is reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete.

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 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE

Complaint narrative:
On XX/XX/23 I purchased a XXXX from XXXX XXXX XXXX in XXXX  XXXX Missouri to be used the same day. When checking out I looked at the date of the XXXX and it was correct. While driving to hotel my wife realized that it was for the next weekend. We immediately tried to cancel the XXXX and contacted their customer service. The only way to talk to someone is through an app on their site and the customer service is subpar. They wanted information from the hotel and the hotel would not provide me that information that the room was not used. Even after the date it was supposed to be used. We have been with USAA for over 19 years and disputed less than 5 things or charges that were inaccurate in that time. I have provided documentation pictures of the conversation with XXXX and dates that the great wolf lodge was contacted multiple times. We have not been given what they utilized to make a decision or what information or investigation they did with XXXX and XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 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: GA

Complaint narrative:
This account no longer belongs to this creditor and has been paid in full through a 3rd party collection. This company webbank/fhut no longer owns this debt and is reporting it illegally on my report without my consent and against my assumed and copyrighted names. The dates last active are wrong too and should be removed from my consumer report immediately for accuracy being less than 100 %. The use of my name without my express written consent because of the assumed name certificate and the copyright is considered Identity Theft. Documents provided for MY NAME! 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Charge account Charge account Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$2800.00} {$0.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
The unpaid balance was reported as a loss by credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: GA

Complaint narrative:
This account no longer belongs to this creditor and has been paid in full through a 3rd party collection. This company XXXX no longer owns this debt and is reporting it illegally on my report without my consent and against my assumed and copyrighted names. The dates last active are wrong too and should be removed from my consumer report immediately for accuracy being less than 100 %. The use of my name without my express written consent because of the assumed name certificate and the copyright is considered Identity Theft. Documents provided for MY NAME! 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Charge account Charge account Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$2800.00} {$0.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XXXX XXXX Comments : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
The unpaid balance was reported as a loss by credit grantor. 
Date Last Active : XXXX XXXX Date of Last Payment : 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 explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: VA

Complaint narrative:
USCB AMERICA is fraudulently reporting a medical debt that they allege belongs to me but has failed to verify. I have requested proof of the records and have not been supplied any evidence that I in fact owe this debt to them. Furthermore I have never granted USCB access to any of my personal information much less permission to access any of my medical information which violates my right to privacy, XXXX and my states medical privacy rules. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) pertains to unsecured XXXX identifiable health information of an individual in a personal health record and the acquisition of that information without direct consent from the individual. I have given no such authorizations therefore there is definitely a Breach of Security if your company has any of my personal and or medical information. Your actions violate the XXXX XXXX XXXX XXXX  XXXX XXXX, FCRA and XXXX. 

I AM DEMANDING COPIES OF : XXXX authorization bearing my signature Copies of any agreements associated with this account Copies of bills associated with this account This is my formal dispute as well as Cease and Desist Demand to cease all collections activity. Compliance is required and I reserve the right to file charges and additional complaints with the XXXX as well as any county, state or federal authorities that govern your activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a US Treasury check in the amount of {$60000.00} into my Chase checking account on XX/XX/2023. I also received 2 direct deposits from my and my husbands federal pensions on XX/XX/2023. On XX/XX/2023 my available balance in this account was {$75000.00}. I attempted to make some bill payments and all were rejected. I inquired with Chase and was told my account was " restricted ''. They would give me no further information. I went into the branch and was asked to prove that the {$60000.00} Treasury check was my money. I gave them copies of my XXXX  ( XXXX XXXX XXXX  ) statement showing that I had made a retirement distribution. They did not remove the restriction from my account and I was told me to call the following week. 
On XX/XX/2023 I received an alert from my Chase account that I was overdrawn. Chase had debited my account in the amounts of {$60000.00} and {$15000.00}. 
I received a cashiers check from Chase on XXXX in the amount of {$15000.00} along with a letter stating that the account had been closed. There was no mention of my {$60000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Fairway Independent Mortgage Corporation
State: FL

Complaint narrative:
I trust this letter finds you well. I am writing to formally dispute the presence of late payments reporting by your organization on my credit report. I believe these late payments to be INACCURATE and UNJUST, and I kindly request their removal in accordance with applicable laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am getting unwanted credit monitoring from : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX we ordered meals for our student from XXXX XXXX. The food was spoiled and children were sick. The sauces were smelly and looked rotten. We paid {$270.00}. When we did a dispute, visa told us that they do not refund or give credits for things like this. Yet we are liable for paying the credit off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am writing to request the removal of outdated debt accounts from my credit report. I have recently reviewed my credit reports from your agency, and I have noticed that several debt accounts that are over XXXX years old and have been in default more than 5 years that are still listed and reporting on my report. According to federal law, and Virginia Attorney General these accounts and being reported illegally and should no longer be reported, and I kindly request their removal. 
Below, I have provided the relevant information for these accounts : 1. Creditor Name : J.P Morgan Chase 2. Account XXXX : XXXX XXXX. Date of First Delinquency : XX/XX/XXXX XXXX. DATE OPEN : XX/XX/XXXX I believe these accounts have exceeded the legally mandated reporting period of seven years, and as such, they should no longer be affecting my credit score or financial standing.

Enclosed with this letter, please find copies of documents supporting the age of these accounts, including. I request that you investigate this matter and, if found to be in violation of the seven-year reporting limit, remove these accounts from my credit report promptly.

I understand that federal law, under the Fair Credit Reporting Act ( FCRA ), requires credit bureaus to conduct a reasonable investigation within 30 days of receiving a dispute. I request that you provide me with written confirmation once these accounts have been removed from my credit report. 
Also, on the following accounts there are inaccuracies on the alleged accounts. On XX/XX/XXXX XXXX states that my payment was made on time on XXXX states that a payment was made 30 days late. XXXX states they have no history of a payment at all. When you provide information to my credit report, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. Please see the inaccuracy below. XXXX also states that payment on XX/XX/XXXX, was 30 days late, XXXX states that on the same month XX/XX/XXXX payment was on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Due to the negligence of Equifax, a data breach occurred and billions were recovered to this organization. In the interim, my life was affected financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

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 2023-12-17 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

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 2023-12-17 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
I purchased a few things from XXXX and they sent me the wrong item they are refusing to send me a return label and the credit card company is refusing to credit my card back. So I had to pay for shipping myself to send everything back

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 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello... I have a hard inquiry on my credit file with CapitalOne on XX/XX/XXXX... I only have one card with them started XXXX XXXX ... I would like to have this hard inquiry removed..from my file ... Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX ( an online jeweler ) allowed me to finance a purchase. After the purchase the account was sent to Comenity bank. 

I requested a statement showing the account information on my status of paying it down. They have told me two times that they will mail the documentation, I confirmed my current mailing address about two months ago.

Ive never received anything and they just tell me to pay the account. 

I want to see what Ive paid, what I owe. Im beginning to think they dont have those details and are just threatening to mark my credit reports if I dont keep making payments. Its been about two years now.

Company response to consumer: Closed with explanation