vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have carefully reviewed my credit report in the XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" After reviewing my latest consumer report, I identified the inclusion of bankruptcies that appear to be inaccurately reported. I am aware of a potential violation of 15 U.S. Code 1681a ( 4 ), which pertains to the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be present on my credit report, and furthermore, it appears that my personal information has been disseminated without my consent. 

Such actions are deemed unacceptable. I wish to assert that I am a victim of identity theft, and as such, there may be criminal and civil liability associated with these discrepancies. In the event that this complaint is not addressed in a satisfactory manner, I must emphasize my intent to pursue legal recourse against you. "

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 2023-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: SD

Complaint narrative:
I took out a loan with spotloan in XXXX if XXXX I made all payments on time except for the payment on XX/XX/XXXX never received notification from them that payment was missed now they want to charge an extra {$880.00} for a missed payment of only {$150.00} they are charging interest per day that the payment was late this was never disclosed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
i reached out to XXXX  for clarification of documentation needed to be given to me to see what and why this debt is owed to lvnv funding, I asked on XX/XX/2023 to be provided with PROOF OF OWNERSHIP, I DEMAND PROOF THAT I OWE THE DEBT TO LVNV Funding? contract, a terms and condition agreement. I have not received anything at all. this, I am still waiting for the actual bill of sale and the purchase agreement where it states what and how much was the actual purchase for from whom to whom and to LVNV funding. All bill of sales from all parties involved..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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:
XXXX XXXX, XXXX XXXX To whom it may concern, Ive already sent letters and spoke with the creditors asking them to remove these late payments with the dates as follows ( XXXX & XXXX ) and they have not abided by what I have requested. XXXX XXXX XXXX XXXX have also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
The law 15 U.S CODE 6802 B Obligations with Respect to Disclosures of Personal Information states ; except as otherwise provided in this sub chapter a financial institution may not directly or through any affiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title.

I demand these two late payments removed! 
Thank you. 
XXXX Creditor : XXXX XXXX XXXX XXXX  ACCOUNT number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: OH

Complaint narrative:
XXXX XXXX, XXXX XXXX To whom it may concern, Ive already sent letters and spoke with the creditors asking them to remove these late payments with the dates as follows ( XXXX & XXXX ) and they have not abided by what I have requested. XXXX XXXX XXXX XXXX have also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
The law 15 U.S CODE 6802 B Obligations with Respect to Disclosures of Personal Information states ; except as otherwise provided in this sub chapter a financial institution may not directly or through any affiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title.

I demand these two late payments removed! 
Thank you. 
XXXX Creditor : XXXX XXXX XXXX XXXX  ACCOUNT number : 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 2023-09-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I'm trying to use this american express reward card to buy XXXX e-giftcard regardless what amount I still get declined. It did a pre-charge but unable to go through each time. I did it 4 times and still get declined. The total amount is still less than the reward card balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: F.H. Cann & Associates, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I settled my debt with XXXX XXXX  through XXXX XXXX and XXXX for the amount of {$3600.00}. I was told on a recorded telephone call that this would settle my debt. I was also sent paperwork which confirmed this. On XX/XX/XXXX I was called and told that XXXX rejected the settlement, s and I would be made to pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19 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: TX

Complaint narrative:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 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 2023-09-19 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: TX

Complaint narrative:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 2023-09-18 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
This Person ( Genesis FS card services/ Destiny Mastercard ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
XXXX started as Servicer as of XXXX didn't start receiving payments until XXXX, and then added a Assignment of Mortgage to our Record of Deeds XXXX under the understanding in order to continue to collect XXXX XXXX XXXX  Payment they had to ( Per XXXX XXXX representative ) XXXX there is no Mortgage, and then there is the Loan Modification showing Noteholder and Investor is XXXX, XXXX has also acknowledge Assignment of Mortgage was done in error and they can't release the Lien, after over XXXX years of XXXX advising there is no Lien, but because they sold the Servicing Rights they can not correct the Assignment of Mortgage or Lien Release because they sold the Servicing XXXX now the new Servicer Select Portfolio refuses to acknowledge letter from XXXX and the letter from XXXX advising no Lien and that XXXX is Noteholder Not XXXX. 
XXXX who was our previous Servicer has also acknowledged that even though this is a Residential Mortgage Back Securitized Loan with a pool number of ( XXXX ) they never paid anything under our pool number into the Mortgage Pool or directly to our Noteholder and Investor XXXX, also per XXXX they never received any Payments from XXXX or SPS. 
Assignment of Mortgage shows Mortgage holder is XXXX, XXXX, as XXXX, In Trust For Registered Holders of XXXX Asset-Backed Certificates XXXX XXXX XXXX XXXX, which is just another name for XXXX XXXX XXXX Bank , also according to SPS doing our Foreclosure procedures acknowledged that XXXX has been our Noteholder and Investor Since XXXX, again stressing that XXXX has acknowledge that they are not the Noteholder and Investor and they made an Error when they added the Assignment of Mortgage and per XXXXXXXX XXXX they also advised they sent the documents to SPS in XX/XX/XXXX to have Lien removed and to correct the Assignment of Mortgage, we also sent the same documents XXXX, to SPS, still no Correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Back in 2020 we filed XXXX XXXX XXXXXXXX & we asked to reaffirm our loan with USAA but they said no but could make payments. I have been making payments on my boat loan & since I have no access or any bills ever sent to me I called in XXXX or XXXX to ask if it was current or if needed to do anything & she told me she couldn't see anything & it was fine, nothing else needed from me. Then I started getting calls from some local # but they would not say where they worked. I googled the number last week & found out it was a repo company! I tried contacting them last week & they said I had to speak with the repo department but had no other details to give me. They close early so I was finally able to reach them today & they were no help. She claims they sent a letter to me in XXXX  that I never received as we would've paid it, we do not have money issues so would've paid that day. I read they were required to send a certified letter & this never happened. I work from home so I am always home to get anything. Now they are telling me since I did not respond to this letter I never got they charged it off & I have to pay {$23000.00} or they will not stop the repo. I do not have that kind of money. This has to be illegal? How can they do this without ever contacting us? We will not give them the boat as its worth way more than we owe them. I need answers on what we can legally do. Thank you for the help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Back on XX/XX/XXXX, I submitted disputes to the XXXX credit bureaus as there was information on my credit report which I don't believe was accurate. I sent a letter to Trans Union to XXXX XXXX XXXX XXXX, PA XXXX. I sent a letter to XXXX to XXXX XXXX XXXX XXXX, GA XXXX. And I also sent a letter to XXXX at XXXX XXXX XXXX XXXX, TX XXXX. 

Since then, I never received any responses or notices back. Because I never received any responses or notices back after almost 60 days, I sent them another round of disputes on XX/XX/XXXX asking for the same investigations and corrections to my credit report. Once again, I didn't receive any notices or responses. I have active credit monitoring, so I know if they have at least attempted to investigate accounts as I would be notified that accounts were under dispute or that disputes have been resolved. That didn't happen either. 

Here we are in XXXX, and I have yet to receive any letters from anyone, in regard to my disputes. Since I'm tired of waiting, and because I'm not going to send a third round only for the same thing to occur or rather in this case to once again not occur, I decided to let you know so maybe you could help me in obtaining investigation results for my disputes. That's not too much to ask for, is it?

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 2023-09-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Back on XX/XX/XXXX, I submitted disputes to the XXXX credit bureaus as there was information on my credit report which I don't believe was accurate. I sent a letter to XXXX XXXX to XXXX XXXX XXXXXXXX XXXX, PA XXXX. I sent a letter to Equifax to XXXX XXXX XXXX XXXX, GA XXXX. And I also sent a letter to XXXX at XXXX XXXX  XXXX XXXX, TX XXXX. 

Since then, I never received any responses or notices back. Because I never received any responses or notices back after almost 60 days, I sent them another round of disputes on XX/XX/XXXX asking for the same investigations and corrections to my credit report. Once again, I didn't receive any notices or responses. I have active credit monitoring, so I know if they have at least attempted to investigate accounts as I would be notified that accounts were under dispute or that disputes have been resolved. That didn't happen either. 

Here we are in XXXX, and I have yet to receive any letters from anyone, in regard to my disputes. Since I'm tired of waiting, and because I'm not going to send a third round only for the same thing to occur or rather in this case to once again not occur, I decided to let you know so maybe you could help me in obtaining investigation results for my disputes. That's not too much to ask for, is it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX sent me a 1099c Cancelation of Debt form to file with the IRS but have recently placed my account in delinquent status. If the debt was discharged and and a cancellation of debt form was sent to me, then I should no longer be liable for any balance of the account. My credit score dropped over XXXX points for XXXX XXXX incorrectly reporting this information to the credit bureaus. I have tried to solve this issue with XXXX XXXX, but the agents do not seem to know about anything that I am speaking about. If I still have to pay taxes on the debt to the IRS for the cancellation of the debt, the debt should show as canceled and no balance should be shown. I was sent the 1099c Copy B on XX/XX/2023 but this delinquency was reported on XXXX XXXX. I will upload a copy of the 1099C form that I was sent, and I want this to be resolved and the balance to be zeroed 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
Consumer complaint received 2023-09-18 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: GA

Complaint narrative:
This Person ( XXXX XXXX XXXX XXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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 2023-09-18 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: GA

Complaint narrative:
This Person ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by XXXX XXXX that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I did not authorize or give consent, nor do I benefit from the following inquires. Please Block and remove. 
XXXX XXXX XXXX - XX/XX/2023 SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2023-09-18 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: NE

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
I was getting emails from Chime a couple weeks ago about having created a new account with them when I never took such action. XXXX of the emails notified me that I had changed my phone number. This is the number that it was changed to : ( XXXX ) XXXX. 

I have no idea whose number that is, but I think that should provide some clue about who attempted this fraudulent activity. 

I emailed Chime last week ( XX/XX/XXXX ) to request that the account be closed as it was created under fraudulent pretenses. Soon thereafter I got an email informing me that they were closing the account. 

I just received a Debit card from them today ( XX/XX/XXXX ). I called them to assure that the account was closed. They assured me that it was.

Company response to consumer: Closed with explanation