vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing any late payments on my credit report please correct the late payments on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as it is a violation of 15 usc code 1666b timing of payments, an account can not be treated as late for any reason inquiries to be removed : 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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I'm in the middle of a divorce and got behind on credit card payments. I contacted Chase in XX/XX/year> and was able to get on a payment assistance plan and made payments through that plan by auto-deduct from my checking account for XXXX, XXXX and XXXX. As XXXX was the last payment, I went to my account online and noted I've been charged late fees and interest while on this plan and my balance is still over the credit limit and my monthly payment is showing as over {$600.00}. I called Chase and was on the phone for over an hour, transferred to 5 different representative and when I finally talked to someone in collections about another payment plan, the call disconnected. I tried to call back and was told they can't transfer me back to the person I was working with. I'm just begging for Chase to help me at this point. I'm a XXXX XXXX  with XXXX XXXX and I'm trying to pay on this card and get the balance down. Is there someone who can please review this and contact me to hopefully set up some kind of plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: MI

Complaint narrative:
I received a strange text message from MRS BPO LLC saying I owe XXXX {$760.00} and theyre trying to collect a debt. I do not owe XXXX anything. I have an automatic monthly payment with them that Ive had for many years. This is clearly fraud. And they need to stop contacting me. I dont owe anyone anything. 

MRS BPO LLC 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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank created this credit account thru PayPal Credit ostensibly a part of PayPal. The primary merchant was Home Shopping Network ( HSN ). HSN also has a credit facility with Synchrony Bank. I had a credit account with HSN but it hasnt been used in approximately 15 years. Every month Synchrony added charges to their credit account that I had paid cash for and deducted monthly payments from my checking account. I have a years worth of records from HSN and they show no use of PayPal credit or Synchrony bank or their own credit card. Synchrony also deducted monthly payments from my checking account for an HSN credit card even though HSN shows no use of that credit card either. I have filed a claim with my bank, XXXX XXXX, for the payments made thru ACH for these credit accounts. Once I can tell who received the money, I will forward it to you. My attempts to resolve this have literally made me sick. They sent me emails that were so secret they could only be opened on a desktop computer. They remain unopened. One respondent recommended that I contact the financial institution involved.

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 2024-04-23 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Upon checking my credit report I noticed about 20 different credit inquiries that I did not authorize and I want the removed immediatly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: IL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score. ( Self ). In accordance with the fair credit reporting act, public law 91_506, title VI section 611. Please provide the names and business addresses of each individuals with whom you verified so I may follow up. Please send an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-04-23 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: WA

Complaint narrative:
Upon checking my credit report I noticed about 20 different credit inquiries that I did not authorize and I want the removed immediatly

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 2024-04-23 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Upon checking my credit report I noticed about XXXX different credit inquiries that I did not authorize and I want the removed immediatly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
" I've noticed several attempts to obtain credit and loans in my name, all within a single day, despite not being responsible for these actions. It appears that someone has fraudulently used my identity to apply for financial products without my consent. I'm deeply concerned about this unauthorized activity and would like to take immediate steps to address and rectify the situation. '' XXXX this occurred inquiry XXXX I noticed 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 2024-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was scammed in XXXX for $ XXXX. I reported to the police. My bank account is Citibank and the money went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX The police filed a XXXX on my behalf to Citibank to provide information on my account to where the money went. Citibank replied saying that they could not find such information. This response is impossible as I have been a customer bank client and requested information on the account that they closed of mine because the scam.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
XX/XX/2024 - I enter a bar in XXXX and verbally agree to buy drinks for a lady working there for XXXX XXXXXXXX {$20.00} USD per drink. I order somewhere between XXXX drinks so my total " expected '' bill is in the $ XXXX range. I notice on my app that they have overcharged my credit card without my permission for nearly {$3000.00}, they do not provide me with a receipt and refuse to refund any charges. I call my bank that night and they tell me is it not fraud but a dispute and I have to wait for pending charges to clear. 

XX/XX/2024 - I file the dispute as soon as the charges are no longer pending. They ask for documentation which I have none of because the merchant didn't provide me a receipt or have me sign anything. I tell BOA what I expected to pay, and only dispute part of the ( {$720.00} ) charge on the first transaction, then I fully dispute 2 duplicate charges for ( {$900.00} ) that I did not authorize. 

XX/XX/2024 - Bank of America denies my claim attaching receipts from the merchant that are fake with a signature that has my first name on one charge and my last name on another charge. I would never sign just my first name but they accept these fake signatures for some reason. You can even seen that my first name is pasted on one, and my last name another. I NEVER signed these receipts, this part is absolutely fraud but BOA still denies me. 

I am now out close to ~ {$2000.00} in fraudulent charges because BOA is supporting a merchant who cheated the system and myself.

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 2024-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
The company that holds my mortgage now charges a monthly principal payment of {$640.00} ; and a monthly interest payment of {$640.00}. My interest rate is 2.750 %. How can I be paying more for interest than principal. This wasnt happening with my first mortgage lender, so I know something is wrong here. I need help and dont know what to do. 
XXXX became my mortgage lender through an XXXX ; they sold the loan to the current holder M & T Bank.

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 2024-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: UPGRADE, INC.
State: IL

Complaint narrative:
Late Payments To ensure that the creditor report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following late payment information therefore needs to be reinvestigated. 


I request to provide proof of this alleged late payments, and payment history. I am maintaining a careful record of my communication with you for the purpose for filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger V. Transunion 2:95-cv-06445 ( C.D. Cali. No. 14, XXXX, you may be liable for your willful non-compliance if the validation of the debt requested isnt completed. 



Please have the creditor provide the validation documents to the XXXX  as well as certified mail to me. Its extremely important that creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off. Thank for your assistance. 



If creditors can not provide the requested payment history and documents, please have the late payments removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: NE

Complaint narrative:
My personal info ( bank acct number, social security number address and email acct ) was fradulently used to secure a loan from a company called XXXX in the state of Utah.They used docusign to place my name on loan papers. Now I am being sued for the loan amount of XXXX. Despite my denials and converstion with my lawyer they are continuing with a lawsuit. I contacted the FBI and they asked me to contact the FTC. Please contact me for help. 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 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: FL

Complaint narrative:
On XX/XX/XXXX LJ Ross & Associates filed a collection account on my credit report for original creditor XXXX. 

Subsequently, my attorney wrote to them demanding validation of the debt. Rather than comply or respond, they then transferred the collection account to XXXX XXXX XXXX as a presumably sneaky workaround tactic. 

Eventually, with the help of the CFPB ( XXXX ), XXXX XXXX deleted the debt from my credit report because they could not comply with the validation letter sent from the attorney because the debt is and remains invalid. 

I just received notice today, XX/XX/XXXX, that LJ Ross & Assocaites has filed the same collection account on my credit report AGAIN. 

Please see the letter to the credit bureaus attached, demanding the deletion of this invalid record. Please also see the demand letter to XXXX XXXX, and by virtue to LJ Ross, attached. LJ Ross was sent a similar letter earlier in the process to which I am guessing they will say they did not receive since they just passed the debt along XXXX XXXX XXXX. Regardless, the validation window has long passed and this account must be removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
I WAS TOLD TO EMAIL COPIES OF MY CREDIT REPORTS TO THE BAK OFFICES ON XX/XX/year>. 

I REQUESTED A SUPERVISOR OVER THE TELEPHONE CALL TO DISCUSS THE XXXX  DAY LATE ON MY CREDIT REPORTS AND WAS ADVISED THE ** NO LATE FEES WERE ACCESSED FOR XXXX XXXX AND TO EMAIL THE CREDIT REPORTS COPIES TO THE ( XXXX ). I THAN WAS LIED TO ON SEVERAL OCCASIONS THAT I MUST WAIT XXXX HOURS ON XXXX DIFFERENT CALLS FOR A RESPONSE BY EMAIL FROM THE XXXX XXXX! NEVERTHELESS, NOTHING WAS DONE AND AS OF TODAY, I WAS TOLD TO DISPUTE THE INFORMATION WITH THE CREDIT BUREAUS DIRECTLY IN WHICH I HAVE SINCE XX/XX/year>.

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 2024-04-23 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: MD

Complaint narrative:
Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Unauthorized Information Reporting under 15 USC 1681 Dear Experian, I am writing to dispute the accuracy of the information contained in my credit report provided by your agency. According to my review of the report, certain information has been furnished and disseminated without my written consent, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681.

I have never provided written consent for Experian to furnish my personal information or obtain my credit information. As such, any reporting of my personal and credit information by your agency is unauthorized and violates my rights under the FCRA. 

I am formally requesting that you investigate this matter and remove any unauthorized information from my credit report immediately. Additionally, I request that you provide me with a written explanation of how and when my personal and credit information was obtained and furnished without my consent. 

Furthermore, I would like to exercise my rights under the FCRA to obtain a free copy of my credit report from your agency. Please provide me with the necessary information and instructions to obtain this report. 

I expect a prompt and thorough investigation into this matter and a timely resolution of the dispute. Failure to comply with the FCRA and address this issue satisfactorily will result in further legal action. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by law. 

Sincerely, 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