vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: HI

Complaint narrative:
I am writing this complaint to EXPERIAN that I want to dispute specific records in my credit file that do not belong to me, and it had erroneous information, particularly in regard to a bankruptcy record. Please erase the false information that keeps harming my credit report. Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

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 2024-03-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX collections for {$90.00} and a another one for {$390.00} no full account number no original creditor 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX collections for {$90.00} and a another one for {$390.00} no full account number no original creditor 15 U.S.C, 1681section 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 an 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 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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am urgently appealing for the removal of this mistaken late payment from my account. My consistent track record of timely payments contradicts this entry, which is causing me unnecessary worry and distress.

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 2024-03-20 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: SC

Complaint narrative:
I received a letter dated XX/XX/XXXX from CHASE requesting additional documentation to complete an application for a CHASE Freedom Flex World Elite Credit Card. I DID NOT submit an application for a card and thus did not provide the requested documentation ( driver 's license, current billing address proof ) Per CHASE The XX/XX/XXXX application was denied. However, a card was issued per CHASE representative after the imposter submitted a second on-line application on XX/XX/XXXX using my personal information that was on the first application that had been previously denied but this time CHASE automatically system approved the request for a credit card. I have subsequently closed the account and updated my credit reports but CHASE should have NEVER issued a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My account had scam via XXXX XXXX  and was linked to my navy federal debit card. My sister used my XXXX XXXX to book a villa in another country without my permission and it was a scam. I called in to dispute the charge on XX/XX/23. I haven't heard any updated this dispute and the charges made by my sister with my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I opened a Chase checking account using a promo/referral code, to get a new customer bonus. Representations were made that I would receive a {$200.00} credit if I got more than a certain amount in direct deposits from my employer. My employer uses XXXX and I get PPD deposits every pay period. 

I noticed that my bonus didnt post, even though I had satisfied all the requirements. I called them on XX/XX/2024 at XXXX Pacific time, on a recorded line, and their representative lied and wrongly told me my deposits werent eligible. She said only WEB/ACH payments will work, not PPD, but PPD is the code that any real direct deposit would use. PPD is the proper ACH code for payroll. 

This big bank is XXXX XXXX XXXX! My direct deposits from my employer are as real as it gets. Plenty of employers use the payroll app XXXX because it is inexpensive and fully functional. I should get the {$200.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: DC

Complaint narrative:
I applied for the SAVE plan in XX/XX/2023, and the application is still pending. I also made a large payment of {$12000.00} in XX/XX/2023 before student loan interest was reapplied after COVID to lower my principal loan. However, they applied the entire payment to interest even though I specified it should be applied to principal. 
My XXXX XXXX  monthly payment was not adjusted after the large payment, and I was incorrectly told by Mohela that the {$960.00} payment amount was the IDR adjusted amount. My account was put on administrative forbearance while they process my application. However, during this administrative forbearance period while they recalculate my actual monthly payment, Mohela has continued to withdraw $ XXXX month from my account! 
Calls to Mohela have gone nowhere. I asked to speak with a more experienced customer service representative because even though the girl I was speaking with was friendly, she clearly did not understand what I was trying to explain. She explained she would not be able to transfer me as they were told to stop transferring to supervisors. After spending over 2 hours on the phone, I got nowhere. I have had to call Mohela several times, blocking off several hours each time to speak with someone. I have XXXX children under XXXX XXXX XXXX and work full time. This is nearly impossible for me to accomplish. 
What brought me to write this complaint is the worst mistake. I have been receiving emails from Mohela that my account is over 30 days past due, even though I have been paying MORE than I actually owe. I just had {$960.00} withdrawn from my account on the same day that I received a notice asking for me to call and make a payment. I have no idea how to resolve this issue and I do not have confidence in Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Good Day I filed a XXXX XXXXXXXX bankruptcy in XXXX which included delinquent mortgage payments. The bankruptcy was discharged and I never reaffirmed this debt. My mortgage company has been aquired by several companies before Shellpoint Mortgage and theyre the only company who has reported it on my report. I reached out to them several times explaining the situation and they refuse to remove it and they continue to report since XXXX of XXXX. I dont know what else to do. Please advise if this can be removed from all credit bureaus. 

Sincerely Ms XXXX 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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
We contacted Barclays for assistance in accessing our XXXX account who they acquired several years ago. The goal is to access college savings in the XXXX account. My old email is connected to that account which I no longer have access to. Barclays instructed us to file a support request on line at XXXX for assistance with account access since they no do no have the ability to directly contact XXXX or provide access assistance to the XXXX account. We have filed multiple on line requests over the past 60 days for assistance and have not received any response. By not responding, BarclaysXXXX is withholding access to funds that are legally ours and we would like your assistance in gaining acress to our funds.

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 2024-03-20 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: GA

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: GA

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

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 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Threatening phone calls and never.. The suppose debt was supposedly writing off by the credit card company, so how did they buy a debt the company was already paid for. They are very persistent and keep calling and the people are very nasty and intimidating on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX, someone bought XXXX  gift cards for {$190.00} each from XXXX company. He/She/They paid with my credit card capital one platinum through XXXX. 

I tried to fix this issue with XXXX, XXXX, and Capital One Platinum credit card however, none of them have wanted to take responsibility. 

On XX/XX/XXXX, capital one platinum made me XXXX  charges for {$190.00} for XXXX  purchases from XXXX to pay the XXXX company. Then, I called them on XX/XX/XXXX to clarify that I didnt the XXXX  purchases for {$190.00}. So, capital one platinum made the XXXX  adjustments for {$190.00} each. 

On XX/XX/XXXX the credit card XXXX  capital one platinum made the XXXX charges again for {$190.00} each. So, I called them again on XX/XX/XXXX and they made the adjustments again to remove the XXXX charges for {$190.00} each. 

On XX/XX/XXXX, the credit card capital one platinum made me XXXX  charge adjustment for {$190.00} again. 

On XX/XX/XXXX, I called them to clarify that capital one platinum again made me a charge adjustment for {$190.00}. Then, the credit card capital one platinum removed the charge adjustment for {$190.00}. On the one hand, capital one platinum made XXXX  credit adjustments for {$190.00} each. However, the same day on XX/XX/XXXX, they ( capital one platinum ) made XXXX  charge adjustment for {$190.00}. 

On XX/XX/XXXX, the credit card capital one platinum again made me XXXX  charge adjustment for {$190.00}. So, I called them again to clarify that charge but the fraud supervisor told me that they had made the final decision not to remove that charge because they have proof from the XXXX company that I made the purchase from my home. I told the supervisor to send me the proof but she replied no and that the payment will not be removed.

I called them ( capital one platinum ) again on XX/XX/XXXX, to fix the issue but they arent willing to negotiate anything. I told them that I am available to pay the full amount with the condition that capital one platinum removes the charge for {$190.00} because that purchase I did not. Also, they remove the interest rate charges from XX/XX/XXXX, because I tried to fix this issue and capital one platinum has been negligent in not investigating and doing its job by taking the easiest way, charging me with the fraud that I did not do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-03-20 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: CA

Complaint narrative:
The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
employee did not follow proper protacal costing me 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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
This debt keep popping up under different collection agency. I disputed before because they failed to marked this as disputed debt in my credit report and that is the violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: GA

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: UT

Complaint narrative:
In XX/XX/2024, I received form 1099-C from Discover indicating that my credit card debt has been forgiven or cancelled. 

However, all 3 credit bureaus are showing owed balance and looks like Discover did not report it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts are incorrect, and it's causing me discomfort

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: MI

Complaint narrative:
I am writing to formally dispute an inquiry that appears on my credit report, which I believe is unauthorized. I have no recollection of authorizing this inquiry or engaging in any business or financial transactions with those listed creditors. Those inquiry is inaccurate and is negatively impacting my credit 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