vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed that there was a credit report on my chase account this XXXX. It came from XXXX for a balance of {$700.00}. I have never used XXXX in my life. I contacted the lender and they mentioned an email address that never belonged to me. The report was ran today. They placed my account on alert and will go ahead and dispute this report but I will need to provide information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: EdFinancial Services
State: IL

Complaint narrative:
I have applied for new XXXX program and has been approved for a new lower monthly amount. First payment is due XX/XX/XXXX {$110.00}. The old past dues payments of around {$600.00} that was posted prior to the new save program, should have been wiped out in XXXX when I was approved for XXXX  program. However the old past due amount is still listed in the system. Keep calling Ed Financial and received the same information that it will be taken off the account very soon. Where are all the way in XXXX now and it's still in my account. I do not have any recourse to fix this. My first payment is due in 3 days and if I make a payment it will be applied to the wrong password amount instead of the future correct payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX : Initial Debt Collection Agency Current Creditor : XXXX XXXX XXXX, XXXX Alleged amount owed : {$1300.00} Current Collection Company : Credit Management Company, XXXX XXXX XXXX, XXXX, PA XXXX I took my son to XXXX XXXX XXXX XXXX on XXXX. I was over billed and also billed for services not rendered. I disputed these physician charges and eventually, it went to XXXX, a collection agency. I made an agreement with XXXX on XXXX to pay on {$670.00} to settle the debt. On XXXX, I received a letter from XXXX starting that " it has been closed with our Agency ''. 

Credit Management Company now ( XXXX ) claiming I still owe {$1300.00} and reported me to all three credit bureaus. I have reached out to the collection agency but unable to get them to take me off the credit reports. 

I am requesting CFBP for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: IN

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A student loan that isn't my is on record with the Department of Education, and my credit report. It was determined that The loan was a mistake or someone used my numbers to secure a loan. 
The XXXX XXXX Department was suppose to send me paperwork clearing my record of this loan. It was never received. Whenever I inquire about the matter by call, they say they will call back or send paperwork. I've gotten either. 
Please assist me in getting this loan removed from. My record and my credit report. 
Thank you, 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A student loan that isn't my is on record with the Department of Education, and my credit report. It was determined that The loan was a mistake or someone used my numbers to secure a loan. 
The Student Loan Department was suppose to send me paperwork clearing my record of this loan. It was never received. Whenever I inquire about the matter by call, they say they will call back or send paperwork. I've gotten either. 
Please assist me in getting this loan removed from. My record and my credit report. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A student loan that isn't my is on record with the Department of Education, and my credit report. It was determined that The loan was a mistake or someone used my numbers to secure a loan. 
The Student Loan Department was suppose to send me paperwork clearing my record of this loan. It was never received. Whenever I inquire about the matter by call, they say they will call back or send paperwork. I've gotten either. 
Please assist me in getting this loan removed from. My record and my credit report. 
Thank you, 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 2024-03-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Company has been on my credit record for several months. I have disputed it and have file claim of identity theft on several other occasions this being one of them they have not provided any documentation I am getting constant emails. Constant letter sent to my house and now my kids are starting to get a phone calls from them. My kids are XXXX. I have told them to stop calling repeatedly, and they have threatened to sue and to take me to court, without verifying the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased two XXXX  gift cards, each for {$500.00} serviced by Incomm. In XXXX, in response to elevated fraud rates, Incomm instituted new security measures. One " feature '' of this system, is that if more than three of these cards are used at the same location in a short time period, across all customers, Incomm will block the transaction. Then the cards are blocked and not able to be used and a replacement card must be issued. 

The card serial numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: FL

Complaint narrative:
By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.

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 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
my checking account was close by us back in XX/XX/2024, but they didnt mail a check to me for my account balance, I call them 3 month, they reply nothing

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 2024-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CO

Complaint narrative:
My student loan was forgiven by the Biden Administration in XX/XX/XXXX ( see attached ). This was a loan against which I paid $ XXXX in XX/XX/XXXX. The attached letter clearly states that payments made after XX/XX/XXXX would be refunded. It is now XX/XX/XXXX and I have yet to receive the $ XXXX that is owed to me. 
EdFinancial claimed in a phone conversation that they sent notification to the Department of Education that a check should be mailed to me for $ XXXX on XX/XX/XXXX. The Department of Education ( Student Aid Ombudsman ) says as of today ( XX/XX/XXXX ) they have received no notification that they should send me a check. I've called dozens of times to both entities and each points the figure at the other. The DOE says it has no record of the check request ; EdFinancial says it has a record of the request being sent out. Each entity says it can help no further. I've asked for escalation several times to " supervisors '', who are as useless as you might imagine. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported. 

1 ) Balance 2 ) Origination Date 3 ) Date of last action/activity 4 ) Date of last payment These are all inconsistent over Equifax, XXXX, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: CT

Complaint narrative:
I recently reviewed my credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for WFDS to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account WFDS - XXXX Last 4 digit SSN : 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
In XXXX of XXXX, Mohela purchased my student loans from XXXX. Mohela updated the information on XXXX and XXXX Credit Bureaus, but not XXXX. As a result, it incorrectly shows that I owe both XXXX and Mohela for student loans. However, the XXXX balance should be {$0.00}. I have contacted XXXX, Mohela, and XXXX. Each organization is blaming the other. XXXX, despite me submitting evidence that the account balance is {$0.00}, says that it's up to XXXX to update the correct balance. XXXX blames Mohela for not reporting that it paid the account off. Mohela says that XXXX is responsible for updating the account balance. Mohela and XXXX both agree that the account balance is {$0.00}, but refuse to report it correctly to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
My account with GM Financial was never late! I have had exceptional payment History With GM Financial and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
GM Financial never sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports GM Financial - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing this identity theft report in response to the derogatory remarks that APPLE CARD ( GS BANK USA ) and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with apple card. However, apple card is reporting a fraudulent account to the credit reporting agencies with a balance of {$24000.00}. Immediately after I noticed this account, I contacted apple card GS BANK. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that APPLE CARD/GS BANK can remove the fraudulent and derogatory remarks they report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
SUBMISSION DATE XX/XX/XXXX USAA Federal Saving Bank Re : XXXX XXXX Dispute Case # XXXX From XXXX XXXX XXXX in the amount of {$8600.00} Enclosed in this documentation is the following to support the above dispute claim : 1. XXXX XXXX XXXX XXXX  dated XX/XX/XXXX a. Total estimate cost of {$8100.00} b. Vehicle towed and received at XXXX XXXX  on XX/XX/XXXX c. Projected completion date of XX/XX/XXXX is incorrect d. Odometer reading IN : XXXX XXXX which concludes that the vehicle WAS never test driven post repair e. Definition or suspect root cause for breakdown ; timing chain and camshaft malfunction f. Repair to be covered by extended warranty company & dealer must comply with claim process. Claim # XXXX to be reimbursed in full. See details on proposal 2. Email detailing timeline for from XXXX at XXXX XXXX XXXX dated XX/XX/XXXX a. Timeline to complete is two weeks from XX/XX/XXXX XXXX. Email to XXXX on XX/XX/XXXX ; subject XXXX with photos a. Demand to complete warranty repair with claim submitted to extended warranty company b. Confirm car immediate pick up no later than XX/XX/XXXX c. Photos of missing valves on camshaft identifying damage XXXX. XXXX XXXX XXXX final bill with tax dated XX/XX/XXXX a. Invoice XXXX b. Cost of repair total {$8600.00} which exceeded original proposal c. Odometer reading is one mile over the original receipt date from XX/XX/XXXX i. No test drive was completed with XXXX XXXX XXXX. They held my vehicle for three months with no work completed until we contacted XXXX XXXX XXXX to complain about this repair work which would typically take less than two weeks d. I did NOT SIGN and the XXXX  Invoice agreeing to the charge. It was to be submitted from XXXX XXXX XXXX, the dealer of record, directly to the extended warranty company at no cost to me XXXX. XXXX XXXX credit card receipt NOT SIGNED Per my call to the USAA credit card team today, I did not receive this request for additional documentation until today. I was instructed to submit the documents by mail and the claim would remain for review. Claim documents can not be updated online, in usaa.com, on the bank site or in the mobile app as they are restricted to XXXX MB per your IT TEAM on increasing capacity. YOUR ONLIINE SYSTEM HAS BEEN COMPROMISED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: IL

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: IL

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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