vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 2024-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am paying my mortgage payment on time but they reported that i have 10 late payment which is not true .I bought this house in XXXX, and XXXX XXXX  XXXX XXXX sold me to Nation star called Mr Cooper.XXXX XXXX XXXX XXXX they was no report any late payment, All 20 years always paid on XXXX of every month, Then in from XX/XX/XXXX to XX/XX/XXXX reported 10 late payment, I was/am paying what i suppose to. In XXXX they started playing with figures/dirty tricks and not putting money in to mortgage account using it to lenders fees and partial payment .They did not write to me or inform me.Even from XX/XX/XXXX to XX/XX/XXXX i paid XXXX instead of XXXX so i can pay loan early. They did not put extra money to my principal using it here and there playing with dirty tricks, Then i called twice on XXXX XX/XX/XXXX and XXXX satisfactory answer. Then send them two email from my email account XXXX on XXXX and XXXX XXXX to there research wings .They send me latter and put two month XXXX to the principal. 
I am request is inquire why they using my money here and there, Get all report from them. That what I understood the i was trying to pay off to finish it off, And stared playing with figures

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I believe I am eligible to receive a discharge of my applicable XXXX student loans since the school I attended committed misconduct. This is called a XXXX XXXX XXXX. 

The school I attended made untruthful and misleading statements while trying to convince me to enroll and stay enrolled. The school concealed, suppressed, or omitted certain Information that would have been important to my decision of whether to enroll or remain enrolled, and the concealment caused you harm. This includes conduct such as : - A failure to provide important information about graduates employee outcomes ( guarantees of employment and wages over a certain salary ), the school 's educational programs ( the ability to transfer credits, the qualifications of my instructors, and if my degree qualified me for a specific certification ; the school 's financial charges, program costs and financial assistance available ) ; or - A failure to tell me that certain factors, like a criminal record or the program not being authorized by the appropriate agency, would prevent you from meeting requirements for employment in the program 's field. 
-The school engaged in aggressive and deceptive recruitment tactics to convince me to enroll and stay enrolled. They took advantage of me. 

My school was sued by the department of education for all the reasons explained. My federal loans were dismissed as part of the XXXXXXXX XXXX XXXXXXXX settlement. 

My loans were with XXXX consolidated before the settlement in XXXX. The total amount consolidation was {$27000.00}, with a current balance of {$20000.00}. The loans consolidated are a direct result of school misconduct. I am requesting a school misconduct discharge.

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 2024-06-18 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: NY

Complaint narrative:
Last year when i had some financial difficulties i received a call from Disconver that i can do a payment plan that would lower than required monthly amount if i did autopay and can do that for the next year. What they did not tell me was that this would impact my credit report as im missing payments. I have have been with Discover probable about 20 years and have had a perfect record up until the last 6 months of 2023. This is when everything went down hill when one of their reps called me and offered this. Im sure he got a bonus for getting me to subscribe to this and in meantime this had totally hurt and impacted me negatively credit reporting and otherwise. Since than i stopped those automatic payments for the wrong lower amount and have taken back control of my account and payments being made Im trying to move out and its impacting by family as i can not get approved for anything and also have young childeren to support of which one is special needs..All im asking is for those late payments reporting to be removed. Besides that i have always been happy with Discover. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: CA

Complaint narrative:
Company sent email about a debt I do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
This bank needs to be investigated. I complained that when I deposited the initial amounts of over {$300000.00} they promised me to give me {$500.00} a bonus. The bonus was never given to me. They told me I didnt fulfill a direct deposit. This was never told me I was in the hospital. They told me they were going to put it in a high interest account. Opening up a private client account and giving me another {$2000.00} bonus They never did this when I found this out over a year later they said they would fix it. They dragged their feet. They didnt fix it And now when I took my money out retaliation, I asked them what I needed to keep the amount and they told me {$1500.00}. I did this and now they keep deducting {$12.00} every single month putting it below the XXXX causing another feed the next month this bank is misguiding and making life difficult for me. I tried to talk to the management. They didnt get back to me for months and then when they did, they just blew me off. They owe me money. At least the deposits that were in at 4 to 5 % current CD rate, they also keep charging the {$12.00} every month even though Im over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-06-18 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2024-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On XX/XX/2024 Unauthorized, Suspicious and Fraudulent activity was detected by the Credit Bureaus, indicating that the company was reporting false information and monthly inquiry my credit profile without my consent and authorization, This company was reporting an address that is not related to me. This company was reporting a debt that is result of Identity Theft due to XXXX XXXX XXXX. The activity indicates that this company is performing a fraudulent scheme along with others 3rd parties companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as 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 2024-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Global Tel*Link Corporation
State: VA

Complaint narrative:
TouchPay Holdings, GTL Financial Services & ViaPath Technologies have deceived consumer by withholding XXXX refunds that were made to verify account for sole purpose. Company has failed to accept multiple transactions from valid card source.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
Sent in tax exemptions for deferred taxes, over XXXX deferrment, deferment, still paid taxes out of escrow, still charging me for them, I have tried to get this resolved for 4 wks now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: MO

Complaint narrative:
My account with ( XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: NJ

Complaint narrative:
I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of XXXX XXXX compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and XXXX XXXX data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. 



In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the 2020 XXXX XXXX XXXX XXXX ( XXXX ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with XXXX XXXX standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and XXXX XXXX standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ XXXX  days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than XXXX  % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that may comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete XXXX XXXX Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.

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 2024-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Unable to access account and unable to update information or reach the company directly for support. 

I have a new phone number and can not update account. 
I attempted an account recovery unsuccessfully via the website, Coinbase.com Next, I tried to contact customer service and attempted every phone-tree option only to get redirected back to login for every option Coinbase has layered so much security it is incredibly difficult to recover your account and is impossible to speak to anyone directly for support. 

Due to this, I am unable to access my account or funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am XXXX of the stockholders of a XXXX XXXX in Florida. That company has a credit card with JP Morgan Chase which is past due XXXX days because the company is in financial trouble after 30 years in business and will be going out of business soon. 

Chase is reporting this roughly $ XXXX past due balance on my personal credit report. Is this legal? XXXX XXXX XXXX is a separate person according to the law. 

I believe that most every corporate credit card says somewhere in the fine print that a person personally guarantees it, so I assume this one does also. However, regardless of whether there is a personal guarantee, a XXXX XXXX is a separate person and the past due should show on the company credit report, but it is totally wrong and probably illegal to also push it out to a personal credit report also. If they do it to me, then this bank must also do it to other people. This is the only bank that has done this for any past due payments on this corporate account.

Company response to consumer: Closed with explanation