vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, In reviewing my credit reports, I came across a debt item that was listed incorrectly. I disputed this account to the credit bureaus, and they confirmed it was verified as accurate by you. 
I am aware of the rights I have and am requesting that you immediately remove the debt from my credit reports, or you may face damages by reporting inaccurate data to a credit reporting agency. ( See the FCRA ) This debt is listed as a charge off, with a last date of activity of XX/XX/2016. You are reporting the charge off date as the date you purchased the debt instead of the actual charge off date. This is a clear violation of the Fair Credit Reporting Act, as it is clearly stated that " no debt may be reported to a consumers ' credit file for any longer than 7 years from the date of first serious delinquency or charge off. '' Because you have altered the charge off date as the date you purchased it, you are committing fraud. I have informed the credit bureaus of this and have asked for a second verification. When that verification comes to you, I suggest you follow the law and report the true facts. In addition to this debt being over the allowed time to report ( 7 years ) it has also passed the statute of limitations to collect. I have no intention of paying this old expired debt and I am informing you of this now. 
Should you attempt to report or collect this expired debt, I will contact my Attorney General and fill out a complaint to the Federal Trade Commission, and I will take steps to collect damages from you of up to {$1000.00}. I believe I have a case against you for violating sections of the FDCPA and FCRA should you continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
I called Mohela to request for the full status of my loan, including the amount of total funds I was ahead on my student loans. I was almost 20 payments ahead on my student loans, but Mohela is advising they are only seeing me ahead by {$350.00}, whereas that figure should be close to {$2500.00}. In Response, I have requested for my full loan history, and servicing file, but no one will acknowledge this request, or provide it. Their Customer Service Representatives " In Training '', can only see back 24 months. I am asking for assistance by holding them accountable by telling me the exact figures I am ahead on my student loan. I know there is 136 payments left, but it is in a tier repayment style therefore the payments will change over the remaining life of the loan. As a Servicer, they should be able to provide the requested document to show how the outstanding balance was paid down to today, but they are not. I'd like assistance in obtaining the full file, and payment history. How do they know I didnt make a {$20000.00} payment prior to the last 24 months? 

I've requested to speak to leadership, however I am then placed on hold for hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2023 I used my PayPal account to pay my rent payment of {$3300.00}. I utilized my XXXX XXXX SEND function so I could earn the reward points. The money was deducted from my XXXX account and I paid off the total on XX/XX/2023. I was contacted by my landlord, XXXX XXXX, on XX/XX/2023 and advised he had not received my payment to him. XXXX is not familiar with the PayPal platform and opened the account at my request so I could earn the credit card point every month when I pay my rent. He is a retired dentist of above average intelligence, so I never questioned his assertion that he did not receive my rent payment. I immediately contacted XXXX and spoke to a customer service person who advised me that XXXX inadvertently returned the {$3300.00} to me but the refund could take up to 30 business days to receive. I reconfirmed this several times because I had to resend the {$3300.00} a second time so as not to be late on my rent payment. XXXX contacted me the next day and said that he was able to finally access his PP account and it shows both payments are in his account. I explained that I was told by PP that the first payment will be refunded to me. He opted to take out only one of the payments and leave the other one in the account incase it was removed. On XX/XX/2023 both of our accounts were permanently closed without explanation. ( XXXX ) I immediately called PayPal and attempted to get any information to better understand what had happened and they would not tell me anything. The second payment of XXXX is being held in XXXX 's PP account and they will not release it to him or refund it to me. The representative only apologizes for the misunderstanding about my first payment being refunded with any explanation. Lastly, they said that they will hold the money for up to 180 days before releasing it. I can not afford to pay my rent payment for the month of XXXX, creating a severe financial hardship for me. XXXX is a retired local dentist with an impeccable reputation and I am a former deputy sheriff that works as a civil rights investigator for the XXXX XXXX, not a criminal cartel. Please assist us with getting our money from PP. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello after recently reviewing my credit profile, I realize there are some inadequacies on my report. I contacted the bureaus to make them aware of unknown inquires. These inquiries were made without my consent, knowledge, or authorization. I sent out a number of letters on XX/XX/XXXX and again on XX/XX/XXXX. I have tried on a number of occasions to rectify the matter at hand with the following : XXXX XXXX XX/XX/XXXX ( XXXX XXXX Transunion ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( Transunion ) XXXX XX/XX/XXXX ( XXXX XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( Transunion ) There is also a company on my report that I do not recognize, do business with, or give consent to to acquire my personal information. This is a direct result of fraud since theyve acquired my information for their own financial gains. I have disputed this account and made them aware they are indulging in fraud knowingly violating my consumer rights : XXXX XXXX XXXX XXXX Its ridiculous how easy it is for these companies to take advantage of me and make me a victim of their fraudulent and unethical practices.

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 2023-07-13 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: AL

Complaint narrative:
These unauthorized inquiries are negatively impacting my credit history and financial well-being. I kindly request your assistance in addressing this matter and having these inquiries promptly removed from my credit report. 

The unauthorized inquiries are as follows : XXXXXXXX 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 2023-07-13 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: NJ

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help me.

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 2023-07-13 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: VA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I've been banking with Chase for over a XXXX. Recently my account was hacked and {$1400.00} was stolen from me. I spoke to a representative who assured me that the funds would be reimbursed and they did reimburse me but only partially. I went to a branch and got reinbursed for the rest of the funds. After about a XXXX Chase pulled the funds that it reimbursed me stating that i was the one who withdrew the funds. I told them to check thir ATM footage and they will see that it was not me but they stated that there was nothing they could do. I went back to the branch and gave them proof that it was withdrawn using XXXX XXXX  and i have an XXXX phone. They reinbursed me again but only a week later they pulled part of the funds again. I went back in and Spoke to the manager XXXX who spoke to the corporate and got reinbursed again. Today i check my account and they pulled XXXX XXXX back again so i am at the bank waiting to speak to someone to see what is going on here. Everytime they pull funds it's for a different amount. I am ready to close my acount because i do not trust chase anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13 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: NC

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from 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 2023-07-13 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:
This is not mine. 

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 2023-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
As a previous claim was made, and closed by the Bank of America, I specifically asked them to reopen my claim. There is a fraudulent tool that calls people using the id of any institution, and my call came from BOA. I never had a XXXX account and the man named XXXX XXXX BOA explained someone was trying to withdraw {$890.00}. Of course, we believed him, and using the same verification of id by asking us to repeat the XXXX digit code sent to our cell phone, we repeated it to him. He then proceeded to open a XXXX account, and transfer the money out of our account. Not until the next day when we went to our local bank did we find out BOA had not called us. This is completely unacceptable to us. We are honest long time BOA customers, and feel they should have some type of protection for us. Please research this again since we could sure use the {$890.00}

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 monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: DE

Complaint narrative:
Made a purchase on a visa gift card of {$250.00} on XX/XX/2023 and paid XXXX cash, took merchandise back because it didnt work. They in turn put the whole amount on the card of {$280.00} of which the card will not work. I have call the number on the back of the Visa card about 10 times and every time I call there is a different issue.They will not return my monies. Can we get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Yesterday I paid off ALL of my credit card and bank loan accounts. My balance due on all accounts is {$0.00}. Since I paid off my accounts my credit score was lowered from XXXX to XXXX. There is something serious going on with my credit reporting. The credit reporting agencies Experian and XXXX should be investigated by the Federal Trade Commission. This seriously needs to be investigated by U.S. Congress. 

I owe {$0.00} on all credit cards and bank loans and then I receive this email message from Experian today. Our U.S. credit reporting system is definitely broken. I feel this is discrimination against a XXXX retired XXXX XXXX XXXX. 

Like my previous complaint this morning with CFPB I will be forwarding this information to Congressman XXXX XXXX for his review and action. 

Message Received Today Your FICO Score has decreased by XXXX points. 

Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness. 
XXXX XXXX Poor Fair Good XXXX - XXXX Very Good Exceptional XXXX XXXX pts FICO score logo Learn more Experian data XX/XX/2023 Compare all 3 credit scores Your credit information can be different across all 3 of the major bureaus. Add your XXXX and XXXX FICO Scores today. 

Why did my score change? 

Why am I receiving this? 

You are receiving this alert because your membership includes FICO Score monitoring with Experian data. We monitor changes to your FICO Score and score rating. These changes could impact your credit worthiness, your ability to get credit and your interest rates.

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 2023-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
I had a conversation in XXXX of XXXX where I contacted Glasser and Glasser after repeated phone calls. On a recorded line I told them I was willing to set up a payment arrangement to resolve the debt. I was told that there was a garnishment action with an upcoming court date in XXXX XXXX, Virginia and that the court date was for the creditor and judge and I was not authorized to attend the court proceeding. I was told the hearing was not for me and was between the creditor and judge. ( There is a recorded phone call of this and notes from this conversation in their date base ). I was told to call back in XXXX of XXXX and set up a payment arrangement. I called back in XXXX of XXXX and left multiple voicemail messages and did not receive a call back. 

The garnishment suit in XXXX XXXX, Virginia was dismissed. Subsequently. in XXXX of XXXX my account with XXXX XXXX XXXX was garnished for {$2300.00} without me having any notice of legal proceedings against me in XXXX, Virginia. I received no notice of a court proceeding. 

They have phone records of the XX/XX/XXXX phone call and notes from this conversation. The notes were read back to me on XX/XX/XXXX by a representative XXXX XXXX. When I raised the legal issues with XXXX XXXX, I was placed on a phone call with an attorney XXXX who I spoke to for over an hour. I was told that under the Virginia code that I didn't have to actually receive notice and that my bank account being garnished was " notice enough ''. I raised the issue of this garnishment action violating my due process rights and was told my due process was not violated. 

When I continued to raise the issue that I would have attended a court hearing in XXXX XXXX, I was told " well this was dismissed '' and it " does not matter. '' My overall point was that I could have resolved this a year ago and not had my bank funds seized as a father of two taking care of XXXX kids. As the call ended, I was told " I am not sweating as much as you think I am. And I hope you are able to have a good day. '' in a very condescending tone. 

This whole matter could have been resolved 10 months ago, the initial case in XXXX XXXX was dismissed. I was provided legal advice by a representative of Glasser and Glasser not to attend a hearing and had my bank account garnished without justification. Glasser and Glasser is a law firm that specializes in legal matters beyond debt collection as displayed on their web site. They provided me legal advice that has created an adverse impact on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent XXXX an FTC report in order for them to remove the inquiries that I did not authorize but they have not complied. I was told it was because they dont have my id and ss card which is not true because I have sent it to them via certified mail several times.

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
interest charge after paid in full-

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 2023-07-13 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Inquiries not authorized : XXXX XXXX XXXX, XXXX ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX- not my account showing charged off XXXX of XXXX but still shows missed payments till XXXX of XXXX as if account was mine or even open. This account is not mine I have no knowledge of this account. It is also being reported differently to each credit union different last payment dates charge off dates and other mismatching information. This account is not mine and needs to be removed please help.

Company response to consumer: Closed with explanation