vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
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 - XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX, XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX  XXXX {$7500.00} XX/XX/XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX  XXXX {$190.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX  XXXX {$2100.00} XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely 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 non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime closed my account on XX/XX/XXXX due to violating terms. I had a private person send me XXXX XXXX I contacted them and was told I would receive the balance within a month, 2 weeks to allow for any pending transactions and 2 weeks for mailing. I was told on XX/XX/XXXX I believe ( see attachments ) that I would receive my balance within a month. I contacted chime on XX/XX/XXXX as I still hadn't received my check in the mail. They contacted me today, XX/XX/XXXX and said my account was not eligible for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Auto loan purchase in 2018. This loan appears on my credit report and I was made aware of this credit line from a potential lender. I contacted the creditor XXXX XXXX XXXX and they had no information that aligned with my identity for me to be held liable for the loan. I had no awareness of the vehicle in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I settled my charged off XXXX XXXX XXXX account in XXXX of 2022. It shows a XXXX balance and closed on my XXXX and XXXX reports but XXXX shows that I still owe over XXXX. I attempted to dispute it but was told I had previously disputed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely 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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Fay Servicing has not been providing accurate invoicing information, to reflect current payments that are made. Furthermore, when lump sums of payments have been made, Fay Servicing has held the money in suspend, providing invoices with higher outstanding balances and incurring additional interest. Since one of the parties on the mortgage is in bankruptcy, Fay Servicing has restricted the other borrower from platform access which does not provide transparency to the account. Statements are not routinely forwarded to reflect real time payments, representatives are unable to read account and provide and provide accurate information to the loan holders regarding fees, balances and current payments due. Inaccurate information is shared by Fay Services to their attorneys which is not timely shared with our attorney. Due to their inability to share accurate and transparent information, additional attorney fees are incurred on the account causing compounded hardship on the loan holders. Loan holders are requesting access to the account platform in order to review information real time and an account representative that can provide accurate information on the account. Fay Servicing is taking advantage of the XXXX community and XXXX XXXX community that is not able to maintain their accounts in good standing as they hold money in suspend and send delayed and false billing statements which are not provided within a continuous 30 day cycle. On XX/XX/23, a court hearing was held due to Fay Servicing claiming lack of payment. The attorneys representing Fay Servicing did not have factual information to address at the time of hearing. 
XXXX XXXX order that both attorneys meet to discuss case. We were never informed in writing of this court date or future court dates. Lastly, a modification was granted a few years ago, and now our mortgage increase substantially every year. How was this modification beneficial to us when we are simply paying this company more interest and little being applied to the principal of the loan? To date, XX/XX/23, I am yet to receive an updated invoice from Fay Services reflecting the payments made to current month.

Investigation into this fraudulent activity is being requested. See attached correspondence between attorneys and statements enclosed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
afni has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. Afni has threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Account number XXXX ARS ACCOUNt RESOLUTION is reporting false information on my credit report this debt does not belong to this identity theft I did not do any business with XXXX XXXX XXXX XXXX please remove this account else I wouldve to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX & EXPERIAN has Violated my Rights. 

Agencies can not utilize outdated information : EXPERIAN is Reporting outdated information. 
Agencies can not use incomplete, unverifiable, or false Information : EXPERIAN is Reporting false information. 

EXPERIAN IS FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT HOW DID YOU VERIFY ACCOUNT ITS REPORTING 100 % INCOMPLETE & INACCURATELY )!! ! REMOVE THIS ACCOUNT IMMEDIALELY!!! 

NO CLOSED DATE REPORTING ( BY NOT HAVING A CLOSED DATE ITS MAKING A CHARGE-OFF REPORT ON CREDIT EACH MONTH ) NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS INACCURATE PAYMENT HISTORY IS REPORTING DATE OF LAST ACTIVITY IS NOT EVEN UPDATED NO DATE REPORTED FOR LAST VERIFIED XXXX XXXX  ACCOUNT XXXX : XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) THIS ACCOUNT IS 100 % INCOMPLETE & INACCURATE ACROSS ALL CREDIT BUREAUS VIOLATIONS ERRORS XXXX. DISPUTE STATUS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) XXXX XXXX NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) EXPERIAN : NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) ERRORS XXXX. CLOSED DATE XXXX : XX/XX/XXXX EXPERIAN : NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT ) BY NOT HAVING A CLOSED DATE ITS MAKING A CHARGE-OFF REPORT ON CREDIT EACH MONTH ERRORS XXXX. PAYMENT HISTORY XXXX : NO PAYMENT HISTORY BEING REPORTED EXPERIAN : INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) ERRORS XXXX. DATE OF LAST ACTIVITY : ( THERE IS NO WAY YOU VERIFIED ACCOUNT DATE OF LAST ACTIVITY IS NOT EVEN UPDATED & XXXX DIFFERENT DATES ) XXXX : XX/XX/XXXX ( THERE IS NO WAY YOU VERIFIED ACCOUNT DATE OF LAST ACTIVITY IS NOT EVEN UPDATED & XXXX DIFFERENT DATES ) EXPERIAN : XX/XX/XXXX ( THERE IS NO WAY YOU VERIFIED ACCOUNT DATE OF LAST ACTIVITY IS NOT EVEN UPDATED & XXXX DIFFERENT DATES ) ERRORS XXXX. PAST DUE AMOUNT : {$800.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX : {$800.00} EXPERIAN : {$800.00} ERRORS XXXX. HIGH BALANCE : ( THERE ARE XXXX DIFFERENT HIGH BALANCES ) XXXX : {$800.00} EXPERIAN : {$0.00} ERRORS XXXX. NO DATE FOR LAST VERIFIED ( HOW DID YOU VERIFY ACCOUNT THERE IS NO DATE ) XXXX : XX/XX/XXXX EXPERIAN : NO DATE REPORTED FOR LAST VERIFIED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
I have a judgement against me that was opened while I was in a different state because my daughter was in ICU for several weeks ; Thereafter, was admitted in a inpatient program for a week. When I returned back to Arizona, the paperwork was sitting at my door. Which lead me to contact the collector ( XXXX  ) to settle on all accounts and was told I can not because the debt was sent to there lawyer. I settled what was opened and thereafter contacted the lawyer to settle the account, i was told I had to pay the account in full which was {$1400.00}. I said i can pay half as a settlement and agree to delete from credit report. there response was no, we need the entire amount. A little after that, I was goin over my paystub and I was being garnished 10 % of my pay, with no notice. Afte reaching out to the courts, I was told by a clerk, the judgement is non-existent. Please help either settle or delete due to false and different amounts requested.. See attachments for receipts and court documents left at my door.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XXXX of XXXX we opened our Synchrony Care Credit Card account with 0 % interest payments through our XXXXXXXX XXXX office for XXXX for me. Our payments were XXXX XXXXXXXX. We paid {$150.00} every month interest free until it was paid off. As far as I am aware, there was no specific timeframe in which a balance had to be paid off. On XX/XX/XXXX, we put another round of XXXX, this time for my daughter, on the card for {$3400.00} and have been paying XXXX XXXX   monthly. 

I never received mail statements from Care Credit. I never received email statements from Care Credit. Periodically, I would receive an email that payment has been received and what my balance was. I used the same credit card from XXXX for the XXXX purchase. Over the course of that period, I was issued a new credit card that had a different number on it. I was not notified that the 0 % interest would run out at the end of 24 months and that I would be back-charged the interest if I didn't pay off my balance. In XXXX, my balance due was {$840.00}. If I had known that I would then be charged interest, I would have paid the final balance of {$840.00}. In XXXX, I received a bill for {$2300.00}! They charged me {$1600.00} in accumulated interest with NO WARNING. This is a SCAM. Because I have automatic payments set up and we were on vacation, I did not review the statement until this month as I thought I had everything covered. My bill is now up to {$2300.00}!

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 monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I recently opened a business account with Chase bank. I deposited three checks made out to my business in the past week. Chase has now frozen all funds in my account, placed holds on my deposits, and is saying they are fraud and trying to close my account without releasing all my funds from the checks. I am now out {$30000.00} and my customers and business partners are also out money while waiting for us to have the money to do jobs. Chase is saying they are unable to verify the checks due to not having a verified number in their system for one of them, and calling two numbers for the other two checks that dont exist for the business that wrote the checks. We have tried asking Chase to call the numbers for both of these business that are listed on XXXX, their website, and we have confirmed numbers for, and they refuse to call those numbers to verify the checks saying Its not verified in their systems. Chase has told us we can not do anything else about this, we will not have access to our money and the account will remain frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Kohls credit card was converted over to a XXXX card that I did not approve or request. This was done by Capital One and I know these banks are trying to save their tails by issuing this XXXX card down our throats. We have a right to choose this not forced. I have to pre approve it. Im angry they did this. They arrogantly said I couldnt do anything about it and for me to open another Kohls credit card if I want. I have a balance on my Kohls card and now have to open another Kohls card? Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to file a formal complaint against the XXXX major credit reporting agencies, XXXX XXXX, Experian XXXX, and XXXX XXXX, for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have identified multiple discrepancies and inaccuracies in the reporting of my personal information, including addresses, phone numbers, and employers, on my credit reports provided by these agencies. The only correct name and address that should be reporting are : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX Pl XXXX, XXXX, IL XXXX However, the following information is inaccurate : Addresses : XXXX XXXX Pl XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Pl XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX Pl XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX : XXXX XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX ( XXXX ) XXXX - Residential Employers : XXXX XXXX XXXX XXXX These inaccuracies are not only damaging my creditworthiness but also infringing upon my rights XXXX a consumer seeking fair and accurate credit reporting. As per the FCRA, I have the right to dispute any information contained in my credit report that I believe to be inaccurate. 

I have requested these credit reporting agencies to investigate these inaccuracies and delete these entries from my credit reports in accordance with Section 1681s2 ( a ) ( 1 ) ( E ) of the FCRA. However, these inaccuracies continue to be included in my credit reports, damaging my creditworthiness and infringing upon my rights as a consumer.

I kindly request the CFPB to intervene in this matter and ensure that these credit reporting agencies comply with the FCRA. I also request that these agencies provide written confirmation of the removal of these inaccuracies within 30 days, as per Section 1681s2 ( a ) ( 3 ) of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt action in rectifying these violations and upholding the standards set forth by the Fair Credit Reporting Act. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In late XXXX of XXXX the XXXX to be exact- an unauthorized wire transfer was made from my chase bank checking account for {$9100.00} dollars. 

I was alerted to this when I received a low balance notice from my bank. I was later contacted by someone who claimed to be working with Chase bank to check the authenticity of the wire transfer. I made it clear to them at the time that I didnt authorize the transfer. I was having trouble accessing my account as it had been locked due to suspicious activity which the person had assured me this way would help me fix. After that they asked me to verify my account details, such as card number, account password,- which they helped me reset- PIN and amount of money that had been in the account at the time of transfer. I provided the information. 

I was then told I would receive paperwork to continue with the claim as well as a new debit card. Neither of those things ever came and when I contacted XXXX again to check the status of the claim, they told me that they couldnt approve the fraud claim because a XXXX time password/ XXXX ID was used at the time of the transfer. 

I believe that the person I spoke to on the phone about the wire transfer to begin with was a scammer and used the onetime password and my facial recognition while we were on the phone to take that money from me. 

When I brought this up to XXXX separate Chase customer service people they said that because the XXXX and Face ID were used at the time of the transfer despite me telling them repeatedly that I did not authorize it, there was nothing that could be done. And I was advised by someone to reach out here. 

Thank you XXXX

Company response to consumer: Closed with explanation