vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: NC

Complaint narrative:
I have sent multiple letters to Equifax, XXXX, and XXXX regarding the fraudulent addresses and outdated information on my credit report, but they have failed to take any action to remove these inaccuracies. The incorrect personal information they continue to report is causing significant harm as it portrays me living in multiple places simultaneously with different phone numbers and addresses. Despite providing my correct details and proof of identity, these credit bureaus have neglected to rectify the errors, which could adversely impact my creditworthiness and reputation.

I am deeply concerned about the potential consequences of this inaccurate information on my credit report, especially when it comes to future employment opportunities or financial transactions. The persistence of these false addresses and outdated data reflects a clear violation of consumer rights and the Fair Credit Reporting Act. It is imperative that Equifax, XXXX, and XXXX comply with the law and promptly remove the incorrect information to prevent further harm.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that these credit bureaus adhere to the regulations set forth in the Fair Credit Reporting Act. My repeated attempts to address these issues directly with the credit reporting agencies have been futile, necessitating the intervention of a regulatory body to safeguard my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Subject : Urgent Resolution Needed for Long-Standing Dispute with Venmo I am writing to seek urgent assistance regarding a persistent issue with my Venmo account that has been unresolved for nearly five years.

Account History and Issue Overview : Venmo Account Since : XX/XX/XXXX Incident Date : XX/XX/XXXX Disputed Amount : {$150.00} In XXXX, during a peak period of online fraud, {$150.00} was fraudulently transferred from my Venmo account. Upon discovering this, I immediately contacted Venmo, who instructed me to dispute the charge through my bank, as the funds were withdrawn directly from my bank account.

Actions Taken : Dispute Initiated : I followed Venmos guidance and reported the issue to my bank, which successfully disputed the charge and refunded {$53.00}.

Account Unlinked : To prevent further unauthorized transactions, I unlinked my bank account from Venmo and obtained a new debit card.

Despite these actions, Venmo hasn't acknowledged any of this and says I owe them the remaining {$100.00}, which has been both confusing and frustrating.

Ongoing Issues : Unresolved Dispute : The matter remains unresolved, and all attempts to reach a satisfactory resolution have been unsuccessful.

Lack of Credit Report Impact : This issue does not appear on my credit report, making it more challenging to address through standard dispute channels.

Recent Interaction : My last interaction with Venmos customer service was unhelpful and unprofessional. I was denied access to necessary account information and evidence related to the fraud, with a representative dismissively stating, " no I don't care. '' Request for Immediate Resolution : I kindly request a thorough and prompt review of this issue. Specifically, I seek : Please treat this matter with the urgency it requires. I appreciate your immediate attention and look forward to a swift resolution.

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WA

Complaint narrative:
On XX/XX/XXXX, I was in XXXX, XXXX and was scammed by a taxi company. I was told that a 10 minute taxi ride would cost {$60.00} USD ( NOT pesos ), and was actually charged {$600.00} USD.

I initially tried to pay the {$60.00} USD using my XXXX Credit Card, and it was immediately rejected as fraudulent and XXXX locked my account. The taxi drivers became increasingly aggressive when the card kept declining, and they told me to try to use my Discover card instead because It usually works. Once again, the total on the screen said {$60.00} USD. I tapped my Discover Credit card and the transaction went through immediately. I realized a few minutes later that Discover had authorized the {$600.00} charge.

I immediately called Discover in the XXXX XXXX  to report this incident and dispute the charge, but was told that I could not dispute it until it posted to my account in a few business days. They were extremely unhelpful, and I had to ask them to cancel that credit card and send a new one. When the {$600.00} finally posted to my account, I called Discover again to dispute the charge.

I explained the situation to multiple representatives and was under the impression that a charge dispute was opened, and later found out they actually opened a fraud dispute. Of course, I lost the fraud dispute because I did authorize the charge. Discover informed me that I would be held liable for the {$600.00}. I never said I wanted a fraud dispute opened, I wanted a CHARGE dispute.

After multiple calls and conflicting information, I finally got a charge dispute opened as of XX/XX/XXXX. I believe that Discover is not doing their due diligence to 1. ) Protect consumers right when a suspicious transaction is made ( Like XXXX rightfully did ) and 2. ) Listen to consumers when they are seeking help after a fraudulent charge is made.

Discover claimed to reach out to me regarding the fraud dispute, but I did not receive the call. A representative on XX/XX/XXXX did apologize and said they forgot to ask whether I authorized {$60.00} or {$600.00}. This is extremely disappointing customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-30 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
JP Morgan Chase allowed a person to open a credit card in my name to a different address than my own. I have lived at the same address since 2006. I have never lived at the address the merchandise they bought under my name without my permission was delivered. JP Morgan Chase continued to send all information asked of them to the fraudulent address even though I provided and proved my identity to them. They used information I gave them to validate my identity against me by adding to the missing information on this fraudulent account that they did not currently possess. Now I have an address I have never even seen or lived at or visited or know anyone who has on my credit report as if I lived there. It is extremely frustrating to have JP Morgan have so much power and to tell me I did live somewhere I have absolutely never lived. To make this even worse, my husband paid the money back to them so they would leave me alone and they have added to my credit report that this was written off. It should have been but it was not and is negatively affecting my score!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: MO

Complaint narrative:
This is my follow up complaint regarding the unresolved fraudulent items on my credit report. Despite multiple efforts and providing all necessary documentation, the items remain on my credit report, causing significant financial and personal distress. In spite of my continuous efforts and compliance with all procedures, the fraudulent items have not been removed from my credit report. This ongoing issue has severely impacted my credit score and overall financial stability. I am requesting asking for your help to immediate assistance to : Investigate my complaint thoroughly and ensure the removal of all fraudulent items from my credit report. I appreciate your attention to this urgent matter and look forward to your prompt response. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX , MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XX/XX/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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My account with ( CREDITOR NAME ) 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 those account 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.

( CREDITOR NAME ) 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 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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My account with ( CREDITOR NAME ) 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 those account 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.

( CREDITOR NAME ) 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 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 2024-07-30 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-07-30 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Nelnet didn't honor my opt-out request from forgiveness for two of my fourteen loans. They agreed to opt me out over the phone on XX/XX/year>, but they didn't follow through. I had consolidated all fourteen of my loans prior to opting out, but Nelnet pulled the two loans out of the consolidation and processed the forgiveness. I am trying to get them to reverse their error and reinstate the forgiven loans, putting them back into the consolidation loan where they found them. 

Here is the timeline of events. Supporting documents are attached. *Note : my loans started with Nelnet and stayed with Nelnet after the consolidation. * XX/XX/year> : I received the email from the Department of Education which indicated that some or all of my loans were eligible for forgiveness, with an opt-out deadline of XX/XX/year>. ( See XXXX  ) XX/XX/year> : I decided to consolidate all of my loans together, and I completed the consolidation application on the Federal Student Aid website. ( See XXXX ) XX/XX/year> : I opted out ofthe student loan forgiveness over the phone with Nelnet, then followed up the call with an opt-out email and an opt-out letter through the mail. 
Nelnet will have a record of the call at XXXX XXXX Pacific Time. ( See XXXX ) I spoke with a Nelnet advisor who stated that heunderstood my request to opt-out of the forgiveness of the two loans. We spoke at length to identify the exact loans I was referring to -- the two flagged for forgiveness -- and he assured me that theopt-out would be done. 
The email was sent at XXXX XXXX Pacific Time. ( See XXXX ) The letter was sent via USPS Priority Mail. ( See XXXX the email attachment ) Proof of delivery on XX/XX/year> is available if needed. 

XX/XX/year> : Nelnet sent an email toreview the details of my consolidation loan. The details were correct, with a count of 14 loans in the consolidation, for a total of {$97000.00}. ( See XXXX ) XX/XX/year> : Nelnet sent an email stating that they had processed the forgiveness on the two loans. ( See XXXX  ) Because I had requested the opt-out in time, I was expecting Nelnet to resolve this error. 

XX/XX/year> : Nelnet sent an email stating that the consolidation had been finalized. ( See XXXX ) After that, they sent another email stating that some loans had been removed from the consolidation and the total had been adjusted. ( See XXXX ) The loans that were removed from my consolidation were the same two loans for which I had opted out of forgiveness. The amountof my consolidation loan was adjusted from {$97000.00} to {$93000.00}. ( See XXXX ) Oddly, in my Nelnet account there is no record of my two forgiven loans being paid off via any type of forgiveness. Instead, they retain the appearance of being paid off via consolidation, albeit with the adjusted, lower {$93000.00} figure, rather than the original {$97000.00}. ( See XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unifin Inc.
State: AL

Complaint narrative:
On XX/XX/year>, I purchased a car for my now Ex husband. Within a year, I gave the car back. My husband and I got a divorce. My ex husband no longer wanted to pay for the car. XXXX sold the car and they sent me a letter, that they sold the car, and I didn't owe the balance. I can't find the letter. Years later, they start calling and harassing me. XXXX was sold to XXXX  and then they start calling me. Now Unify bought XXXX, and they are calling me. This auto loan is XXXX XXXX XXXX. I thought the statue of limitations, for an auto loan, in the state of Alabama, is no more than 6 years. I want the calls to stop. They call me everyday from the same number and now odd numbers too. The phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: NC

Complaint narrative:
I have sent multiple letters to XXXX, XXXX, and Experian regarding the fraudulent addresses and outdated information on my credit report, but they have failed to take any action to remove these inaccuracies. The incorrect personal information they continue to report is causing significant harm as it portrays me living in multiple places simultaneously with different phone numbers and addresses. Despite providing my correct details and proof of identity, these credit bureaus have neglected to rectify the errors, which could adversely impact my creditworthiness and reputation.

I am deeply concerned about the potential consequences of this inaccurate information on my credit report, especially when it comes to future employment opportunities or financial transactions. The persistence of these false addresses and outdated data reflects a clear violation of consumer rights and the
Fair Credit Reporting Act. It is imperative that XXXX, XXXX, and Experian comply with the law and promptly remove the incorrect information to prevent further harm.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that these credit bureaus adhere to the regulations set forth in the Fair Credit Reporting Act. My repeated attempts to address these issues directly with the credit reporting agencies have been futile, necessitating the intervention of a regulatory body to safeguard my rights as a consumer.

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 2024-07-30 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: OH

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ACCORDANCE WITH 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS FRAUDULENT ACCOUNT XXXX XXXX XXXX  TO BE FURNISHED ON MY XXXX XXXX EQUIFAX I HAVE KNOW KNOWLEDGE OF THIS ACCOUNT I HAVE FILED A POLICE REPORT OF FRAUD. PLEASE DELETE PROMPTLY THANK YOU SIRS/MAAM ACCORDANCE WITH 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE FRAUDLENT ADDRESSES NAMES ACCOUNTS TO BE FURNISHED ON MY XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, TELEPHONE # XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL , XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX PLEASE DELLETE THESE IMMEDIATELY I HAVE KNOW KNOWLEDGE OF THIS FRAUD!

I am willing to prosecute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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