vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/year>, someone had electronically sent 6 different checks of {$450.00} into my checking account and both my savings accounts. They deposited 2 checks each into my accounts, then once the funds were available, they XXXX  the amounts to themselves and then those checks were fraudulent and bounced back out of my account, overdrafting my accounts. On XX/XX/XXXX, my debit card declined an {$11.00} drink and thats when I looked into my accounts and saw that my Checking account was overdrafted- {$780.00} and one of my savings account was overdrafted- {$360.00}. I called Chase bank asking what was going on and they stated that the checks that were deposited were fraudulent. I stated to them that I never deposited those checks and they took note of it and stated that they would figure out what was going on. XX/XX/XXXX, I was supposed to receive my paycheck from my employer. I was also traveling out of state on the XXXX and when I checked my bank account, my checking and savings accounts were gone/hidden. I walked into my branch bank on XX/XX/XXXX after I returned home. They stated that there was nothing they could do to dispute the charges and my paycheck was used to pay the overdraft fees in my checking account and they would send a separate paycheck of the difference of {$640.00}. I called the support team over the phone and was getting transferred from person to person to person and no one knew how to help me. After being on the phone for 2 hours and 35 minutes, someone finally opened an investigation on the transactions. They stated that they would freeze my accounts and temporarily credit my account {$800.00} that they took from me. I also have received letters and statements of the checks that were deposited and the signatures on the back were not mine. And the people they XXXX  the amount to, I never even heard of them nor have a relationship with them of any sorts. I attempted to take the credit out to pay for bills, but the banker told me that there was no credit available. Today on XX/XX/year>, I called to follow up on the investigation and they stated that it looks like the XXXX  transactions came through my device and that they could not help me retrieve my money back. I stated to them that it was not me who authorized the transactions and stated that because it came from " my device '' they closed the investigation and could not help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My account has several unauthorized transactions. Some being of a XXXX  account that i never known of. And others are actual banks. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I have transactions from my other bank. Showing I was 4hrs away from those cities at the time of the unauthorized use. I was in XXXX ga. The atm/bank withdrawals were from near XXXX ga 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 2024-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc.
State: LA

Complaint narrative:
I've been trying to access my balance but google wants me to verify my payment method. When I try it tells me that the verification Link is expired. Ive contacted them at 20 times already. They escalate it to the " specialist team '' who do nothing. They are no help what so ever. Most of the time they don't even listen to what you're telling them or look at the screenshots they ask you to provide. This is beyond ridiculous that no one puts this company in their place

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 2024-01-27 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-01-27 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP
State: SC

Complaint narrative:
I had a delinquent account with Republic Finance on my XXXX and XXXX credit reports ; it was turned over to a collections account with XXXX. 

I settled the account in full with XXXX to satisfy the delinquency. They have not removed and/or updated the account as promised. 

I have included the letter from XXXX showing they received the payment on XX/XX/2023 and Also I have the satisfaction of judgement letter that Republic Finance , LLC filed with my local magistrate back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity cap/ XXXX XXXX is a wrong account in my credit report that i dont recognise as mine ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A payment was made to payment XXXX  in XX/XX/2022 for {$1400.00} for payment in full. I have a copy of the cleared check. The account still appears on my credit as unpaid. I have made several calls and filed disputes with the bureaus to which they reply it is unpaid. I have sent copies and they still refuse to remove this account. Clearly a violation of the FCRA, not to mention the attempts to collect on a debt paid 2 years ago. I would like this completely removed from my credit as it now has caused issues with my score and prevented me from obtaining other new lines of credit and as a young professional now is the time for me to be building my credit

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 2024-01-27 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: IL

Complaint narrative:
A payment was made to XXXX XXXX  in XX/XX/2022 for {$1400.00} for payment in full. I have a copy of the cleared check. The account still appears on my credit as unpaid. I have made several calls and filed disputes with the bureaus to which they reply it is unpaid. I have sent copies and they still refuse to remove this account. Clearly a violation of the FCRA, not to mention the attempts to collect on a debt paid 2 years ago. I would like this completely removed from my credit as it now has caused issues with my score and prevented me from obtaining other new lines of credit and as a young professional now is the time for me to be building my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: WI

Complaint narrative:
In ordinance to the fair recording act, the creditors have violating my rights under 15 US C 16, 18 section 602 state I have the right to privacy. Also, 15 US C 16, 81 section 604A section 2, states a consumer reporting agency can not furnish an account without my written instruction, under 15 US C 1666 B accreditor may not treat a payment under a credit card account under an open consumer credit plan late for any purpose.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In ordinance to the fair recording act, the creditors have violating my rights under 15 US C 16, 18 section 602 state I have the right to privacy. Also, 15 US C 16, 81 section 604A section 2, states a consumer reporting agency can not furnish an account without my written instruction, under 15 US C 1666 B accreditor may not treat a payment under a credit card account under an open consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX XXXX XXXX Account # : Account number : # XXXX -- I do not have a loan through them as stated on my bureau report amongst other highly incorrect information Account name : XXXX XXXX XXXX  # : Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information. 

Account name ; XXXX XXXX XXXX  Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information.

However, 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

However, 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. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is possibly incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also : 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 another adverse item of information, other than the 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: PA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX XXXX XXXX Account # : Account number : # XXXX -- I do not have a loan through them as stated on my bureau report amongst other highly incorrect information Account name : XXXXXXXX XXXX XXXX  # : Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information. 

Account name ; XXXX XXXX XXXX  Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information. 

However, 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

However, 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. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is possibly incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also : 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 another adverse item of information, other than the 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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/XXXX I saw that they were still reporting that I owed {$3000.00} on my loan account. It was paid off in full by XX/XX/XXXX. I put in a dispute with the credit reporting agencies and the response I received from Greensky/XXXX  was that what they reported was accurate. It still shows a balance of {$3000.00} with XXXX and XXXX and XXXX did not get a response to my knowledge. 

" GreenSky-Logo RE : Account ending in XXXX Dear XXXX XXXX XXXX Thank you for your inquiry to the GreenSky Program ( the Program ) regarding the above-referenced account. The Program services your account on behalf of your lender, XXXX XXXX a Georgia banking company. We received your complaint regarding information we have reported about your account to XXXX or more of the national consumer reporting agencies. 

We have reviewed our records and determined that the account information reported to the consumer reporting agencies is accurate as of the date reported. '' was their response. 

GreenskyXXXX  is required by law to accurately report consumer credit information to the agencies in compliance with the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. 

Because they are doing this, it impacts my ability to receive good rates as it impacts my outstanding balances negatively, thus causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: PA

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX Account # : Account number : # XXXX -- I do not have a loan through them as stated on my bureau report amongst other highly incorrect information Account name : XXXX XXXX XXXX # : Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information. 

Account name ; XXXX XXXX XXXX  Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information. 

However, 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

However, 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.

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is possibly incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also : 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 another adverse item of information, other than the 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 non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2024 FicoScore reported to Experian my to be XXXX. As of XX/XX/XXXX my credit score report from FicoScore to Experian is XXXX. I called as spoke to an agent and he did not have any reason why the credit went down, or provide proof why FicoScore would drop the score XXXX points. Please help me research and provide justification for the misuse of my credit. I am trying to purchase a home and this action will affect my process of home ownership.

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 2024-01-27 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: MOHELA
State: MI

Complaint narrative:
When the loans came out of the Covid forbearance they ported loan XXXX and XXXX from REPAYE to SAVE correctly automatically. However loan XXXX was put into level even though all loans on REPAYE were supposed to be put into SAVE automatically. This led to a higher amount on loan XXXX than it should have been. On XX/XX/XXXX I sent a secure message to Mohela to fix the issue and put loan XXXX into SAVE correctly. When there was no response I filed a CFPB complaint XXXX on XX/XX/XXXX which led to them changing loan XXXX into SAVE correctly on XX/XX/XXXX. However, what's happened that it's come out of the month of admin forbearance during the change is that all three are in SAVE with payments much higher than previous starting XX/XX/XXXX. For loan XXXX it now is saying there will be upcoming payments of {$630.00}, XXXX {$300.00}, and XXXX {$240.00}. Before it was {$29.00} ( SAVE ), {$14.00} ( SAVE ), and {$170.00} ( level ) for loan XXXX, XXXX, and XXXX respectively XX/XX/XXXX. This is going the wrong direction and I am less than a year from loan forgiveness. The higher amounts will make it more difficult to pay and none left to be forgiven in the end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Only trans. Union dropped my score XXXX points when there was no changes to my credit report without any new derogatory no late payments, but my score was dropped XXXX points and I would like my points back. I am trying to purchase a home and I need my score to be stable all my lines of credit are paid on time so my score should not have dropped XXXX points. Also it seems that when my credit lines decrease Trans Union decreases my score.

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