vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I contacted XXXX XXXX ( dba Credit Karma ) on XX/XX/XXXX seeking an explanation for dispute being denied. For reference the dispute was regarding software purchased from XXXX XXXX. The software appears to be missing files so it is not usable. I contacted the merchant ( XXXX ) and the third party seller ( XXXX XXXX ), neither responded beyond a link to self help troubleshooting ( which did not work ) and says to contact support if troubleshooting does not work. Still Credit Karma denied my claim and sent the denial letter to my former employer, whose address has never been on file with my personal checking account. 

When I reached out to Credit Karma support I was told the disputes dept is a separate dept with no means of being contacted. This 'investigation ' took 40 min and during that time I was told I needed to respond to emails requiring I upload photos of my id and me holding the id, 3 times in 40 mins with the same agent. When I asked about this, the call was disconnected. After a few tries I got back to a person and was told my account was now locked and they can't help me until it is unlocked. I asked why and was told, again the dept that handles this has no contact and will send an email when they review my account, 5 days later no email. I have called to request the email be resent and I was told continuing to contact support would further delay my account being unlocked. During this time I have no access to my money, no way to transfer or withdraw, deposits can't be received and I can't close the account. 

This interaction has been so distasteful I attempted to delete my account with all XXXX products ( XXXX, XXXX, XXXX, XXXX and CreditKarma ). After contacting each company individually I was repeatedly told my account can't be deleted due to the hold on my Credit Karma checking account. Which seems unlawful given the fact that I pay for a membership to these sites. Not to mention my bank attempting to withhold access to unrelated services from completely separate companies seems a broad overstep.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-21 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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had a credit card with TJMaxx that I put on automatic payment. The account I used was one I don't often use and when the XXXX payment was rejected for Insufficient Funds I called the company, changed to the correct account and made it the auto payment account, made the XXXX payment with the representative while on line so that the account was current. When I went to the store in XXXX on XX/XX/XXXX to make a purchase, my card was declined. When I called the company on XX/XX/XXXX to see why that was, I was told the account had been closed by the company on XX/XX/XXXX for too many declined payments. I explained what had transpired in XXXX so no payment should have been declined. After speaking with 2 reps in 2 different departments ( XXXX in Customer Service and XXXX, a Credit Supervisor in the Credit department ), it was discovered that I had made a payment in XXXX when I changed the account for autopay but the new autopay had not been applied. The company had closed my account as a result of that error but the person I spoke with did not have the ability to reopen my account. The closing of my account by the company dropped my Credit Score XXXX points! The representative sent this information of the payments and autopay error to another department to see if they could make the correction but that process takes 30 days during which time my credit rating suffers a XXXX point deficit. Subsequently I received a letter from TJMaxx stating the reason for closing my account was " the number of dishonored payments. '' I checked with the bank of the original autopay account and no attempt had been made by TJMaxx since the original NSF charge in XXXX. TJ Maxx did not try to take the autopay from the old account, which would have been accepted and they failed to utilize the autopay I set up on the new account. I also made the XXXX payment with the Customer Service XXXX, XXXX on the same day ( XX/XX/XXXX ) I called about this issue. The account should not have been closed because there was no " dishonored payment '' after XXXX either at the original autopay account or the newly set up autopay account.

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 2024-03-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Ive received multiple notices from XXXX XXXX XXXX about an outstanding balance that is not mine. I opened a new account with XXXX with XXXX separate phone lines in XX/XX/XXXX. I received XXXX new phone numbers at the time of purchasing because I didnt have number transfer pins at the time. Within a week I had all my old numbers ported over and all the phone numbers they provided should have been cancelled. I started receiving notices about an unpaid account beginning XX/XX/XXXX. I spoke with XXXX on multiple different occasions and each time I was told that the debt wasnt mine and that I could just ignore it. On XX/XX/XXXX, I received a collection notice from Transworld Systems Inc, a debt collector, stating they are now attempting to collect a debt on behalf of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am writing to express my dissatisfaction with the response provided by Chase Bank to my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ). The response I received from Chase Bank is unacceptable and fails to address the concerns I have raised regarding the disputed credit card account. 

Chase Bank 's assertion that I am liable for the account simply because two letters were sent out and not returned is unjustified and lacks merit. It is important to note that multiple individuals reside at the address associated with the account, and thus, the assumption of liability based solely on this criterion is erroneous. Once again, I want to reiterate that I did not directly and voluntarily seek credit from Chase Bank. 

Despite my repeated requests for information and documentation, Chase Bank has continuously ignored my inquiries. I have requested full credit card statements, an email address on file, a phone number associated with the account, and details regarding the payment method used. However, Chase Bank has failed to provide any of the requested information. 

Furthermore, in their response to my complaint, Chase Bank denied selling the account, contrary to the information provided by XXXX XXXX XXXX. XXXX XXXX XXXX has admitted to purchasing the account and has illegally accessed my credit report. Despite providing evidence of these violations, Chase Bank continues to disregard my concerns. 

I have previously submitted FTC reports, proof of certified mail disputes, and all relevant documentation to support my claims. However, Chase Bank has chosen to ignore these submissions and has failed to address the issues raised. 

I am requesting that Chase Bank promptly provide the requested information so that I can proceed with appropriate legal action. I expect a thorough investigation into this matter and a timely response from Chase Bank. 

Thank you for your attention to this matter. I look forward to your prompt intervention and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

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 2024-03-21 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: OH

Complaint narrative:
This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the item being disputed : XXXX which is a XXXX Loan which has never been past due but yet has been reported past due and impacted 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
Consumer complaint received 2024-03-21 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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: FL

Complaint narrative:
Sezzle has an account for XXXX $ on my credit that is now charged off. I sent a validation letter to confirm that this is my account because I have no knowledge of it and have not heard anything.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Certainly, here 's a template for a letter requesting deletion of your personal information from an early warning system : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XX/XX/2024 Dear Early Warning I am writing to request the deletion of all my personal information from your early warning system in accordance with data protection regulations, specifically [ mention relevant regulation if applicable, e.g., GDPR, CCPA ]. 

Please find below the details necessary to identify and delete my information from your records : - XXXX XXXX - Address : [ Your Address ] - XXXX - XXXX - Any other identifiers or information associated with my account : [ Provide any additional information that may help identify your account ] I understand that under [ mention relevant regulation or company policy ], I have the right to request the deletion of my personal data. I hereby exercise that right and request prompt action to ensure that my information is permanently removed from your systems. 

Please confirm in writing once my request has been fulfilled and provide assurance that my personal information has been securely deleted from all databases and backups. 

Thank you for your prompt attention to this matter. If you require any further information or clarification, please do not hesitate to contact me using the details provided above. 

Sincerely, XXXX XXXX --

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: GA

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 2024-03-21 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: PA

Complaint narrative:
FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the mentioned accounts exhibit inaccuracies in their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

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 2024-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This is a resubmission to closed complaint XXXX. TD Bank responded that they restored access to my XXXX account which they have not. I would like to resubmit this complaint as despite numerous calls with various departments they are continually passing the buck to other people and being non-responsive to me despite repeated assurances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MA

Complaint narrative:
I applied in XXXX for reduced repayment through studentaid.gov. I was approved. My loans were directed to Mohela, a third-party student loan company. In XXXX, it said three of my loans were not approved and requested that I pay in full. I applied through FAFSA, which said it was approved because I work as a full-time XXXX XXXX XXXX XXXX XXXX. Mohela said I was not approved and was deferred because I could not afford to pay the amount. I had to reapply, but then I realized I had already been approved in XXXX. I am frustrated because I am homeless, and I can't get an apartment because of my credit due to the amount of loan, and now it is back payment with the amount that I was denied for the application I approved for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation