vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and condentality under 15 USC 1681. XXXXXXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
USAA has egregiously mishandled a credit card dispute I have opened. During this process, I have filed multiple complaints with the CFPB regarding promises made by USAA and their continued inability to properly handle my credit card dispute. During this process, I believe USAA has retaliated against me and has sent me a letter threatening to close my accounts with them. 

I believe USAA is intentionally upsetting me by placing upsetting phone calls, and then threatening to close my accounts based on my responses to their upsetting outreach attempts. Today, I was called by an associate from USAA who lied to me, mocked me, and generally upset me by using phrases such as " you don't just get what you want '' and " that is not how the system works. '' This associate intentionally upset me by redirecting the conversation to points I requested not to talk about anymore. 

This phone call was not expected nor requested. The intent of the associate was not productive with no legitimate intent other than to upset me, I believe in an attempt to engineer a hostile situation where they may forcibly close my accounts. I believe this is legitimate retaliation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit card was paid in full, however it is reporting as a mortgage charge off. This is affecting my ability to get a mortgage and other loans. I have tried to resolve the issue with the credit card company ; however, the this issue still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I called Conns XXXX XXXX on XX/XX/2022 to pay off my balance in full. The lady on the phone told me she can decrease the amount for me since I was paying off early. I still owed a little over {$6000.00} on the loan and she reduced it to around {$4400.00} to pay in full. A few months later I get a notification from XXXX XXXX  that my conns balance increased by {$57.00} and my credit was reflecting a balance owed of {$1300.00} still so I called again to get information on why this was happening if I paid the balance off ( this was around the end of XXXX/beginning of XXXX ). They told me they are not sure and they would send it to a different department and I would need to call back in 3 days to see if it was fixed. I also asked for a paid in full letter, I have still yet to receive one to this day after asking numerous times. I have had to make this request phone call twice more about the balance on my report with the same outcome. Well today I get a notification that my account was charged off and my score dropped XXXX points. I spent 2 hours on the phone with conns, being transferred from the customer service department, the recovery department, the billing and collections department, and the credit department all of who can not help me. One manager stated that he will forward the account to the credit department and try to have it removed. I paid off all my debt to increase my credit score to purchase a home. I am in the process and should be closing XX/XX/XXXX however with this on my credit this might impact my ability to purchase this home. I would greatly appreciate any assistance in the matter as my account should not be in charge off status when I called to pay in full and was offered a lower amount without even asking. Had I known this is how they conduct business I wouldnt have purchased with them to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
I have requested a copy of a free consumer report regarding me and have not received one as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Today XX/XX/XXXX I called to make a payment on my chase credit card and was told my account was closed. Previously I paid {$1500.00} to bring by account current and when I tried to make another payment they tell me that my account has been closed and I still owe XXXX and I can not have my credit account reopened. They said they made a decision and I had this card for 20 years. I would like my account credit card reinstated with Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: IL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance : {$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 explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Loan services representative spoke with me today XX/XX/22. Advised me that I have until XX/XX/22 to pay full amount of student loan in the amount of {$19000.00}. They advised me if not paid in full that they will submit my loan to their attorney to garnish my wages and sue me for the full amount. I feel this is an unreasonable amount of time to make this amount of money to be paided back in six months or less. This is the only option Navient student loan services is offering me to make payment arrangements. They have made it extremely difficult for me in the past to make payments and still are trying to make things hard for me now. I told them XXXX XXXX XXXX on XX/XX/22 thru XX/XX/22 and before that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are unreasonable and have unfair financial practices they never try to work with me at all. I asked them for written documents of repayment options they advised me that they could not give it to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: TX

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-04 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: TX

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: IL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Equifax is required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or was opened without my permission
. 

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; According to FCRA Section 605B, ( a ) Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXXXXXX Balance Owed : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-04 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXXXXXX Balance Owed : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Porsche Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX vehicle. I offered a XXXX XXXX bus in exchange. A Payoff was requested from XXXX and sent to XXXX XXXX on XX/XX/XXXX, to be paid by XXXX XXXX. The dealer promised the customer to pay before XX/XX/XXXX, as there was a pending payment. On XX/XX/XXXX, I received an alert from XXXX marking XXXX late. I go to XXXX XXXX to inquire about the payment and they show me evidence that the payment was sent to XXXX. I contacted XXXX and they told me that they had not received the payment. I went back to XXXX XXXX to investigate the payment and was told that they had to send a new check because it had been lost due to XXXX XXXX. They send a check again and XXXX receives it and it took a long time to receive it and they marked my XXXX credit as 60 days late. Today I contacted XXXX to explain the situation and they told me that the customer is the only XXXX responsible for the payment. The situation has caused damage to my credit report because they did not meet their responsibility to pay on time. XXXX XXXX expressed their apologies to me, but that they could not remove the marks. I am requesting assistance because I acknowledge that there was a pending payment and that it will be paid on XX/XX/XXXX. I trusted XXXX XXXX to send the payment. I have always maintained excellent payment with XXXX and I am surprised that they can not accept the mistakes and accept the apology from XXXX XXXX. and they prefer to affect a compliant client. I am requesting that XXXX and XXXX be removed from my Credit Report, or the Credit Bureaus account removed. I will appreciate any help you can give me as the Services I received from XXXX was arrogance in not being able to understand that there was a situation that I had no control over. I am surprised by the lack of sensitivity received, since I complied with what was agreed, it was also my second paid vehicle. XXXX XXXX staff are arrogant and have little knowledge on how to treat their clients. I acknowledge that I am responsible for all payments, but can not be held responsible for the failure of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am seeking reimbursement of {$1400.00} from JP Morgan Chase Bank. 

On XX/XX/2022 my XXXX XXXX XXXX checking account received an XXXX debit from JP Morgan Chase Bank in the amount of {$1400.00}. 

I authorized this XXXX debit when I set up XXXX. The funds should have been applied to my Chase auto loan # XXXX due on XX/XX/2022. I received a text via XXXX message that the XXXX transaction had occurred on XX/XX/2022. 

On XX/XX/2022 I received a notice from Chase Bank indicating my payment was overdue at which time I called XXXX XXXX to verify a record of the transfer to Chase Bank. 

XXXX XXXX Bank statement for XX/XX/2022 was obtained which indicates the transfer of {$1400.00} on XX/XX/2022 from my business checking account with the XXXX XXXX XXXX ID # XXXX. 

On XX/XX/2022 I called Chase auto finance and was informed that no funds had been applied to my auto loan. I spoke with XXXX, a Chase supervisor in the XXXX XXXX department and provided her with an image of my XXXX XXXX Bank XXXX. XXXX escalated the claim, but I did not immediately follow up on the status of the claim. 

On XX/XX/2022 I called Chase to follow up my claim and spoke with XXXX, a different Chase supervisor. I provided the XXXX XXXX bank statement and Trace ID of the XXXX debit. XXXX explained the XXXX Department required a source of receipt to release funds which is possible in a bill payment transaction where a bank forwards a check to another and copies both sides of the check. In the case of an XXXX  debit the only source Im aware of is the XXXX XXXX outgoing Trace ID which I already provided to Gee. 

XXXX contacted me on XX/XX/2022 and said that she did not have the authority to override the XXXX XXXX Department decision. XXXX added there is nothing they can do without the source of receipt. 

I made the XXXX payment within the grace period to avoid a late fee. I am current with my Chase auto loan, and I have never been late during the past 52 months of a 72-month contract. I have never had any problems with Chase Bank, and I hope Chase Bank would treat me with respect and reimburse my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made.I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the items, And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once.

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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have requested a copy of a free consumer report regarding me and have not received one as of yet.

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 2022-11-04 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief