vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-23 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: MI

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-23 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: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
Credit inquiry on XX/XX/XXXX was made by GOODLEAP LLC without any consent from myself. I believe data that was used from a request that I did approve on XX/XX/XXXX was reused on XX/XX/XXXX to get a new version of the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I purchased my flight with Chase through Chase Rewards. Directly after paying for the flight, I received a message that my flight schedule changed. When I had originally bought the ticket, it showed a later departure time, but directly after purchase the departure time was earlier. I know that a different time was shown pre-purchase because I am traveling from XXXX, XXXX to XXXX, XXXX. Due to XXXX 's active full-scale invasion of XXXX and XXXX of critical infrastructure, XXXX now has no functioning airports. Therefore, it takes me over 16 hours to reach XXXX. I would have never bought an earlier flight, XXXX XXXX was the new shown departure time, because I know the schedule of the limited trains that leave XXXX for XXXX. I would never be able to make a XXXX flight so I would have never purchased it. Additionally, I have proof that Chase informed me of a flight schedule changed which remained on my Chase rewards dashboard for weeks after the purchase. When I contacted Chase, they said they called the airline and there was no itinerary change. This is probably true ; however, the issue was not with the airline, rather with the Chase rewards system/dashboard. Chase refuses to reimburse me and when I tried to change the flight, they only offered prices that were significantly higher than on the airline 's website. Additionally, when I called Chase rewards customer service, following a heated conversation of frustration, the customer service representative sent me more than approximately 30 emails with my trip overview in direct retaliation for our discussion. Of this, I also have proof. I have lost XXXX USD, received horrendous customer service who spammed my inbox in response to the phone call, and I believe Chase proposed inflated prices for a flight change. A flight that costed XXXX USD they proposed to me for {$1200.00}. I kindly request this issue be reviewed, I would like Chase to reimburse me, and I am happy to provide proof. To this day, the only recognition of guilt reimbursement they provided was XXXX credit points which are XXXX USD, when I lost XXXX USD worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
My chime card had an unauthorized withdrawal.i filled a dispute with chime and it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
On the morning of XX/XX/XXXX I received confirmation from my new student loan provider Aidvantage that they received my XXXX application which was filled out the evening before. I was told it would take up to 15 business days to receive a response. It has now been a month and I have received no update except a notice to submit proof of income and to ignore if I stated I do not have income to report. I am newly unemployed, which was stated on my application as having no income. 
I have inquired with Aidvantage. Last week I was told my application was received XX/XX/XXXX. This is clearly incorrect and making me nervous. As we are now nearing the end of the 15 business day period of this date as well I would like information as to what has happened to my application and what is delaying this process. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, has some very strange and segregating policies when it come to allowing new people to join their bank. 

I applied and they denied my drivers license/water bill/ electric bill for being fuzzy, or other documents based on their police that every supplied documents must be clear, regardless of if they can be read. 
I received this below letter about 6 times from XXXX XXXX. I called to complain about XXXX XXXX, and then they denied my application saying CHECK SYSTEM a consumer reporting company said I had negative items in my file. Check Systems has old outdated information on file form 5 years ago. I have no missed payments to Banks, and I have paid off most of my late credit cards or store cards when I was laid off from work. 

Dear XXXX XXXX, Our review of your application indicates that we can not accept some of the documentation or information you provided. 

Please provide the following : Kindly note, please provide an alternate utility bill such as an internet bill or gas bill. 

To see the documents/information in question and to upload corrected versions : Go to the membership application : https : XXXX XXXX continue existing application Use the application ID we emailed to you when you started the process to view your application. 

If you have misplaced your ID, click on the application retrieval link in the Application ID field and complete the required information. 

Your ID will be emailed to you. Once you enter your ID, you will be taken directly to the document section of the application. 

For further assistance and any general questions, please contact XXXX XXXX XXXX at telephone XXXX, fax XXXX or XXXX. 

Thank you for choosing XXXX as your financial institution. 

Sincerely, Membership Support Processor II Retail Services ( T ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, We regret to inform you that your membership application has been declined due to information obtained from ChexSystems , Inc. ChexSystems did not make this decision and is unable to supply specific reasons why we have denied your request. 

You have rights under state and federal laws, including the right to : Obtain a free copy of your report if you make a request to ChexSystems within 60 days of receiving this notice. 
Dispute any inaccurate or incomplete information contained in your consumer report with ChexSystems. 

You may contact ChexSystems by using the contact information below : Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Telephone : XXXX Fax : XXXX Web : www.chexsystems.com

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 2023-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX Governor XXXX XXXX signed a bill to be effective immediately, applicably to be set in motion cases XXXX XXXX forward which states in part : OCGA 16-8-104 Residential Mortgage Fraud ( 5 ) Files or caused to be filed with the official registrar of deeds of any county of this state any document such persons knows to contain a deliberate misstatement, misrepresentation, or omission, OCGA 16-8-104 Criminal Investigation and prosecution District Attorneys and the Attorney General shall have the authority to conduct the criminal investigation and prosecution of all cases residential mortgage fraud under this article or under any other provision under of this title.Nothing in this Code section shall be construed to preclude otherwise authorized law enforcement agencies from conducting investigations of offenses related to residential mortgage fraud. 

Thus we have stood on premises of this proclamation yet there is no clarity revealed in the processes sent forward whereas 13 to 14 banks have been involved in this merry-go-round.In our files the loan numbers are as follows XXXX- XXXX, XXXX XXXX, Bank of America NAXXXXXXXX XXXX XXXXXXXX XXXX XXXXAnd now we are told that XXXX is once again proclaimed to the party of the property.How SO.Therefore it is concluded that all assignments are valid and in order.Not So! 
We realize now that EXCEPT AS MAY BE NOTED HEREIN, THIS IS TO BE ACCEPTED AS A QWR TO VERIFY A DEBT .ANY INFORMATION THAT WE HAVE OBTAINED WILL BE USED FOR THAT PURPOSE. The above referenced numbers is in a clouded title therefore there is no Perfect Chain of Title and your claims and all charges as the date of this letter XX/XX/XXXX is in dispute with all recorded records that are recorded in the Superior Court of XXXX XXXX and all the recorded records that are in our possessions.We want to know who was or is the Master Servicer involved in the transactions of our loans concerning the 13 or more institution recorded in court and the loan origination as the dates were changed and that our original loan was a repurchase.We have also concerns there there is fraudulent activities between all parties involved with our loan, this also includes the XXXX XXXX XXXX XXXXXXXX XXXX, XXXX as well as XXXX XXXX XXXX XXXX XXXX as Trustee who is recorded in court documents.Be advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights to rescind loan under TILA VIOLATION as well as all assignments involved with our loan and we understand that XXXX was not a party in this Loan .In God We Trust XXXX XXXXXXXX

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-23 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: Great American Finance Co
State: MI

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: Credit Control, LLC
State: IL

Complaint narrative:
Disclosed private information to 3rd party

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 2023-08-23 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: NY

Complaint narrative:
XX/XX/XXXX My name is XXXX XXXX. I kindly request assistance with a pertinent matter involving the acquisition of Social Security survivor benefits for my niece XXXX XXXX. 

My dear sister XXXX XXXX passed away on XX/XX/XXXX. All agencies were notified of her demise, including the Social Security Administration and Chase bank. XXXX is survived by her daughter, XXXX XXXX, my niece. XXXX is a minor ( Date of birth XX/XX/XXXX ) and orphan. I was appointed as her legal guardian on XX/XX/XXXX. I also applied to be her Representative Payee for her Social Security XXXX Benefits. 

On XX/XX/XXXX, I was informed by the Social Security Administration that they had released over {$7000.00} in retroactive Survivor benefits for XXXX to a Chase account ending in XXXX on XX/XX/XXXX ; an account with XXXX and XXXX name ( s ) on it. Prior to receiving this information, in XX/XX/XXXX, I submitted a copy of XXXX Death Transcript and the Letters of Administration to identify me as the appointed Administrator of my sisters estate. The facilitation of this process has involved a significant amount of time spent away from work and other necessary affairs. 

XXXX legal address is the same as mine. However, I never received any notification from Chase, informing me of the payment that was disbursed. As a child, she can not withdraw funds on her own. Therefore, I am surprised that such a respected and well-known financial institution as Chase Bank , did not identify or notify XXXX 's legal guardian to properly disburse these funds. As mentioned earlier, I submitted the required paperwork to both entities and I have reached out to Chase Bank on several occasions however, in spite of my best efforts, Chase has not agreed to release these funds. 

The welfare and safety of my niece became of prominent importance to me upon my sisters death. XXXX is a XXXX XXXX XXXX  of XXXX with special needs. Truly a vulnerable individual who could easily be mistreated if sent into the foster care system. XXXX was her only surviving parent and now she is an orphan. As a society, it is not only a duty but also a privilege to protect those who are most vulnerable. Therefore, I implore you to assist in the following : release of the funds by Chase bank to me by a bank check. 


Best regards. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2023 {$970.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1400.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor This bill has been paid, According to the Credit Reporting Act USC 1618 its reporting incorrect information 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 non-monetary relief
Consumer complaint received 2023-08-23 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: OH

Complaint narrative:
On XX/XX/23 I sent to Equifax, XXXX XXXX, and XXXX an Exclusion of a Credit Report to their Dispute Department because they are inaccurately reporting late payments. I received nearly 2 months later a notice that my credit report has been updated with no clarification on what has been updated. Pursuant to 15 U.S.C 1681, Consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2023 midland credit management Delivered a lawsuit to my mailing address. 
The lawsuit states that I owe them in the amount of {$1500.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume no of the alleged debt, therefore any debt in fact exists. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose The debt collector has provided proof that that I was never under contract with them and they purchased the debt from the original credit. My signature is not listed on any paperwork or letterhead from myself to midland credit management stating I was pay them for services provided to me. 

See attached photos showing signatures from The original creditor and Midland credit management. No where is my signature included agreeing to pay any amount

Company response to consumer: Closed with non-monetary relief