vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank 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 2023-10-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
The complaint in question is against Midland Credit Management, a third-party debt collector ( hereinafter referred to as MCM ). 
MCM purchased a debt from XXXX XXXX which they are attempting to collect ( {$1300.00} ). MCM has violated several FDCPA rules. 
The rules violated are as follows : calling my spouse repeatedly ; demanding payment from my spouse in my behalf ; discussing debt with my spouse, ( in violation of 15 USC 806 ). A complaint to MCM has been filed on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: KS

Complaint narrative:
I have had a variety of difficulties with this company. That do not have an option to pay principal ONLY additional payments on their online portal. I have asked multiple times how I make principal ONLY additional payments and have received no response. I set up auto pay through Aidvantage. It states that it should reduce my loan rate by 0.25 % on each of my loans. However, the online site has yet to show this change and I am still being charged at original interest amount. More over, I have also submitted through XXXX XXXX XXXX servicer for a new type of replacement plan and have had no response from this company in multiple weeks. They continue to have my payment listed as the payment amount before the change and I know I qualify for the type of repayment I applied to. I have emailed the started customer service line twice. I get a confirmation email that will respond within a couple of days, the correspondence shows up in my Advantage inbox, but then is deleted or of my inbox without any response to my questions/concerns. When I attempt to call customer service about any of these, I get put on hold endlessly and have not been able to talk to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: MD

Complaint narrative:
I am writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. 

To assist you in your investigation, here are the inquiries that I am referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- EQUIFAX -- XXXX XXXX XXXXXX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: AR

Complaint narrative:
I received a letter ( uploaded ) from the company Calvary Portfolio Management. Spoke with representative and explained this debt was paid thru a debt consolidation plan I paid in 2019. The representative stated it bought the account from XXXX XXXX  and they are trying yo collect. I also asked for documents and no one had sent any. I sent an email ( see attached ) and in the initial letter sent it states if you reach out to them to dispute ALL collections has to stop. They reported the account as being in collections on my credit report 7 days later. Now my score has gone down 60yrs due to this collection reflecting on my credit report. How can a company buy a debt from 4yrs ago thats been paid but shows the same amount of debt and try to collect it again? My credit is stellar and this is ruining it. 

I need this company to remove this negative collection mark off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
A transaction on XX/XX/2023 I had submitted a dispute for that transaction and I also submitted a police I was told I supposed to receive provisional credit but my account has not received any credit and it has been over 30 days even tho I submitted a police 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 explanation
Consumer complaint received 2023-10-03 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: NY

Complaint narrative:
I, XXXX XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Equifax XXXX, its United States affiliates ( collectively, Equifax, we, us, our ) consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using Equifax services or website. 
Equifax is only authorized to collect, use, sell and/or share consumers personal data and financial information relating to consumer in accordance with the direct and written instructions from consumer prior to any use of consumers personal data and financial information.Charge offs should be excluded from a consumer report AND credit file. According to the IRS a charge off is a debt that has been cancelled and to be considered as ordinary income.Your company is a powerless Elaborate mechanism this mishap that your company has caused has ruined my reputation Your Company assumed this role. You were not Given Express Permission By me, the Consumer So, not only did you FAIL in the initial investigation of this information. You also assumed this role, and assumed this information was Valid which is a Violation of my consumer rights. 
Pursuant to 15 USC 1681 ( a ) You did not ensure that this information is Accurate, and you did not exercise your grave Responsibility with fairness and impartiality and never consulted with me to find out if this transaction Ever took place. As a result of this my Privacy was Breached, and this Violated my right to PRIVACY. This alleged transaction that you are reporting and FAILED to investigate, whether or not it factually took place, can be categorized as Transaction that took place between the consumer, and the person making the report, Which means it should not be included in my consumer report, and in fact is a VIOLATION of my Consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iiii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report.This is in fact another VIOLATION. Pursuant to 15 USC 181a ( B ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report.This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a CREDIT CARD. Credit Card as defined under 15 USC 1602 ( i ) Definition attached and highlighted in Exhibit B ) This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: MA

Complaint narrative:
on Friday XX/XX/23 my phone alerted me to a transaction of {$100.00} which i quickly grabbed my phone to see what was going on and while in the process of turning off my phone another charge or the same amount attempted but I was able to block it via the chime app I then Immediately contacted chime because the alert was for an Atm cash withdrawl but all it said was XXXX XXXX XXXX I knew I did not make this transaction but was told I have to let it process then chime support will be able to tell me who what when etc. so on Sunday XXXX the transaction was no longer pending so i contacted them again and a dispute was opened I woke up at XXXX Monday morning to a denial email but zero information other than denied claim so i reached out to them again and of course to repeat the same action but this time was told they noted the account so that the investigation team will send all found details regarding this transaction well at XXXX this morning another denial but this time an attachment that shows the amount taken nothing further so i again i called back with XXXX simple request can you tell me where the money went or and ATM address at which they acknowledge they don't have that information but then how can you still say no error found its ridiculous

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello My name is XXXX XXXX In 2010 I had financial problems due to the financing crisis. 

At that time I paid off all my debts, even selling my car. because I understand that it is the right thing to do. 

I had to pay my debts, not bankruptcy. 

10 years have passed and one of the banks that I paid, Bank of America, tells me that I have a debt with them.

I told him no because I had settled it that they made a mistake. The answer I quote " we don't make mistakes. '' My response was I will call my bank so they can give me a copy of the check. To my surprise, my XXXX XXXX  tells me that they only keep checks for ten years.

Bank of America deliberately waited for ten knowing that I would not be able to get proof of payment.

But he spent 10 years without charging interest or trying to collect the debt. It wasn't a mistake, it was deliberate.

I am starting a company, based on an application to help people with food and this application is an online supermarket, due to this condition it has been impossible for me to obtain financing. Despite having made the application. 

Because of this impossibility, I looked for a job in a company, now they take part of my salary. 

I want help to carry out an investigation in New Jersey, it is a business model that there are more people in the same situation. 

Furthermore they did not pay taxes on the money they received from us and perhaps forcing their clients not to pay taxes either. 


Thank you, waiting for your cooperation and help 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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I don't recognize a charge of {$2900.00} made through my XXXX account then I submitted a claim on XX/XX/2023. My bank of America credit card credited the correct amount while the investigation. Then I went to XXXX changed passwords, also noticed a case under review. Now, today XX/XX/2023 I noticed I was charged again for the same amount without any notification. I called bank of America for any letter, support documents or any other information but they don't have any. Now bank of America fraud department is opening the case again with XXXX to submit any information on why such decision. Also, I reached out to XXXX but they have not answered yet neither put any new documents. As in the picture the case looks under review. The charge comes from a software company, yet I believe I was saver from scams using reputable companies as Bank of America and XXXX. 

I hope I can recover the money back and trust again on Bank of America and XXXX, those financial institutions I used to care much.

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 2023-10-03 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: NC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-03 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-03 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-03 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: TN

Complaint narrative:
Equifax and XXXX failed to remove these inquiries There are inquiries on my accounts that I never received goods from and I didn't authorize these accounts to report to my credit profile. 
The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As for these accounts are damaging my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Finance CorporatioXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX RE : ( XXXX ) ( LAST XXXX XXXX ) - GoodwillAdjustment for missed payment Account Number : XXXX Thank you for taking the time to read this letter. I have been a Capital One customer since XXXX of XXXX and during that time, I have enjoyed my experience greatly. I am writing this letter because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX on my CAPITAL ONE BANK USA account. 

I want you to know that I understand my financial obligations, and if it wasnt for me forgetting to update my account with my new card. I would have never missed the payment. I have an excellent repayment record. Since I opened the account with you guys three and a half years ago my record has been spotless. Its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. 

It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment for the month of XX/XX/XXXX. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation