vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I wonder how many more times do I have to send you a complaint for you to finally check what really is going on. I want to have these accounts that are reporting inaccurately on my credit file removed because I am not getting as much chances in getting my loan approvals because of my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PAY-O-MATIC
State: NY

Complaint narrative:
On XX/XX/year> I tried to send money to another country but the female agent kept disputing with me that she can't send my money transfer to the country I always send to and I left after disputing with her so long and later came back to the male agent that had sent for me always and I explained to him what happened to me with the female agent determined not to help me to send money to another country and he said he doesn't understand why she couldn't send for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
I bank at Mt bank and they left me with nothing due to the fact they lost my debit card in the mail twice and when I talked to my local branch they were nothing but rude. The manager would not come to the phone and when I explained to the woman I wasnt able to get food because I dont drive I have XXXX she said I dont care what you have Im hanging up I have better customers to attend to. It was horrible and this has sent me into a deep 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 2024-08-31 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: IL

Complaint narrative:
I was denied a discharge for school misconduct after completing a thorough application with supporting documentation. The only reasoning for denial in the letter I received stated, " you do not meet the requirements for discharge based on misconduct by your school. '' My school was part of a class action lawsuit in which a {$5.00} XXXX judgement was ordered against them and they were forced to cancel all remaining loans of Borrowers in California. There was another case with the Consumer Financial Protection Bureau XXXX XXXX XXXX, In out of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ) that was filed XX/XX/year>. This lawsuit included my school in particular as it was located in XXXX, IL. I went to this school from XXXX before withdrew from the program with the understanding from faculty and staff that there would be no charge as long as I unenrolled within XXXX. I was told that all money would be refunded to the loan lender and I would owe nothing. I was preyed upon, lied to, and deceived by this school from day one. Today, XXXX XXXX XXXX, I am still paying on this loan and I just received a denial for school misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MA

Complaint narrative:
Dear Discover ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Summary : My account was closed in error by Chase XX/XX/XXXX. After a CFPB complaint and months of effort, they reinstated the account. They did not provide me a new physical card. I have called XXXX times requesting a new card over the course of XXXX months, and have not received a single card from them. There is a hold placed on my account preventing my access to new cards, but nobody at Chase seems to understand why. An escalation supervisor assured me on XX/XX/XXXX that someone would definitely work to resolve the issue, and that they would respond in 5-7 calendar days. I have heard nothing from Chase. 

================================================================ Chase erroneously closed my account just after I paid my annual card membership fee in XX/XX/XXXX, and reinstated it following months of calls, and another CFPB complaint. As I had not had access to the account for nearly XXXX months during this process, I disposed of the physical card, assuming that it would be no problem to receive a new card from Chase when the account was reinstated. 

I have called Chase XXXX times in an attempt to simply have a card sent to me. Representatives I spoke with in XX/XX/XXXX, on XX/XX/XXXX, and XX/XX/XXXX all assured me that a card would arrive within 5-7 business days to my address. No card arrived. 

On XX/XX/XXXX I spoke with a representative who explained that a card had not been sent at all despite my previous calls. He offered to rush XXXX to me via XXXX in 1-2 business days. Of course, no card arrived. 

On XX/XX/XXXX, I called again, and was transferred to XXXX different agents before I finally reached an escalation supervisor named XXXX. He explained that he discovered a hold on my account, but could not understand who had placed it, as both the security/fraud detection and lending/underwriting teams denied responsibility. He said someone on their team would be assigned my issue, and they would need to resolve it in 5-7 calendar days. He assured me that I would definitely hear back from someone at chase within that timeframe. 

We are now 9 days away from my last call with Chase, and I feel my only option to get something done is to report my experience here. I have spent tens of hours simply trying to get my account functioning as it did before. Every individual at Chase claims to want to help, but nobody seems to be actually able to solve the issue. There is no follow-through from the bank either. 

My account functions in theory, but I have not had access to a working card/card number for nearly a year. I paid my annual fee last year and have essentially not had access to the card and account for the entire year. My annual fee is about to post on XX/XX/XXXX, and if I continue to try to work with Chase, I am convinced they will continue to withhold access to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There's multiple mistakes that is reporting on each of the 3 bureaus differently. The creditors are 1. XXXX XXXX XXXXXXXX 2. XXXX XXXX 3. XXXXXXXX XXXX 4.XXXX XXXX I have tried multiple times in TRYING TO get IT Resolved. But every time you have failed to delete the items and they continue to show the INNACURACIES. From payment history to date started just to name a few of the mistakes being reported.Each of the 3 consumer reporting agencys have failed to fix it. And continue to have inaccurate and incomplete reporting to post without being fixed. It supposed to have maximum accuracy and this is far from it. Please follow the law and delete those listed items.

Heres the United States code/ law showing that its your job to delete theze items from reporting. They have failed to fix the mistakes gor months and there is just too many mistakes from the accounts that And it is your responsibility to and it is the law to delete these items from reporting on my credit reports moving forward.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Those are the laws that is forcing you to now delete each of the listed items from reporting on XXXX, Transunion, and XXXX. Please follow the law and delete these items. Failure to do just that will result in a lawsuit being started for each bureau that didn't do the right thing and follow the law. Thank you for reading this dispute I look forward to hearing back from you guys and getting these items deleted asap. Thanks and God Bless! 
I'm also attaching My ID front and back my SSN and a bill with my name and address on it FOR IDENTITY PURPOSES. And I'm attaching A Identity Theft Report that shows that this is a real ongoing issue.

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There's multiple mistakes that is reporting on each of the 3 bureaus differently. The creditors are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried multiple times in TRYING TO get IT Resolved. But every time you have failed to delete the items and they continue to show the INNACURACIES. From payment history to date started just to name a few of the mistakes being reported.Each of the 3 consumer reporting agencys have failed to fix it. And continue to have inaccurate and incomplete reporting to post without being fixed. It supposed to have maximum accuracy and this is far from it. Please follow the law and delete those listed items. 
Heres the United States code/ law showing that its your job to delete theze items from reporting. They have failed to fix the mistakes gor months and there is just too many mistakes from the accounts that And it is your responsibility to and it is the law to delete these items from reporting on my credit reports moving forward.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Those are the laws that is forcing you to now delete each of the listed items from reporting on Equifax, XXXX, and XXXX. Please follow the law and delete these items. Failure to do just that will result in a lawsuit being started for each bureau that didn't do the right thing and follow the law. Thank you for reading this dispute I look forward to hearing back from you guys and getting these items deleted asap. Thanks and God Bless! 
I'm also attaching My ID front and back my SSN and a bill with my name and address on it FOR IDENTITY PURPOSES. And I'm attaching A Identity Theft Report that shows that this is a real ongoing issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2024-08-31 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: FL

Complaint narrative:
Recently reviewing my credit report, I noticed inaccurate and incorrect information. Since I have never been late in any payment since I always have automatic payments. XXXX  with account number XXXX. Incorrect and inaccurate information has been reported in the file. Which is affecting my credit and my ability to obtain credit in the banking sector.

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 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I looked on my credit reports and noticed that I have collection accounts from on all XXXX credit reporting companies with this information : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not owe this company money and I sent them a document ( see attached ) but they never responded. I will also request through the CFPB that the company sends the original purchase agreement with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Subject : Urgent Dispute of Inaccurate Credit Report Entries Dear Credit Bureau ; cfpb ; I am writing to formally dispute the following inaccurate and invalid entries on my credit report. Despite previous attempts to resolve these discrepancies, including reaching out to the original creditors, I have not received adequate responses or validation. I request that you investigate and remove these entries in compliance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts : XXXX XXXX XXXX XXXX 

Account Number : XXXX Type : Collection Amount : {$560.00} XXXX XXXX  Account Number : XXXX Type : Charge-off Amount : {$1000.00} Reason for Dispute : Inaccuracy and Invalidity : The information reported for the above accounts is incomplete, inaccurate, and invalid. Specifically, the reported details such as dates, account names, statuses, and amounts do not match my records. I have requested verification from the original creditors but did not receive any substantive validation or the required 1099-C form.

Failure to Investigate and Respond : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable investigation into disputes and respond within 30-45 days. Your failure to address these disputes or provide a timely response constitutes a violation of this provision.

Relevant FCRA Provisions : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : This section mandates that credit bureaus must conduct a reasonable investigation of the disputed information and respond within 30 days. Failure to comply with this requirement is a violation of the FCRA.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires the credit bureau to delete or correct inaccurate, incomplete, or unverifiable information after a reasonable investigation.

Given the lack of response and validation from the creditors, and your failure to comply with the FCRA requirements, I request the following actions : Immediate Removal : Please remove the inaccurate entries from my credit report within 15 days of receipt of this letter. 

Confirmation : Provide written confirmation of the removal of these entries once processed. 

This matter is urgent, and I trust you will address it promptly to ensure compliance with federal regulations. If these entries are not corrected within the requested timeframe, I will consider escalating this issue other relevant regulatory bodies. 

Thank you for your prompt attention to this matter. 

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 2024-08-31 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Subject : Urgent Dispute of Inaccurate Credit Report Entries Dear Credit Bureau ; cfpb ; I am writing to formally dispute the following inaccurate and invalid entries on my credit report. Despite previous attempts to resolve these discrepancies, including reaching out to the original creditors, I have not received adequate responses or validation. I request that you investigate and remove these entries in compliance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts : XXXX XXXX XXXX XXXX 

Account Number : XXXX Type : Collection Amount : {$560.00} XXXX XXXX  Account Number : XXXX Type : Charge-off Amount : {$1000.00} Reason for Dispute : Inaccuracy and Invalidity : The information reported for the above accounts is incomplete, inaccurate, and invalid. Specifically, the reported details such as dates, account names, statuses, and amounts do not match my records. I have requested verification from the original creditors but did not receive any substantive validation or the required 1099-C form.

Failure to Investigate and Respond : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable investigation into disputes and respond within 30-45 days. Your failure to address these disputes or provide a timely response constitutes a violation of this provision.

Relevant FCRA Provisions : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : This section mandates that credit bureaus must conduct a reasonable investigation of the disputed information and respond within 30 days. Failure to comply with this requirement is a violation of the FCRA.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires the credit bureau to delete or correct inaccurate, incomplete, or unverifiable information after a reasonable investigation.

Given the lack of response and validation from the creditors, and your failure to comply with the FCRA requirements, I request the following actions : Immediate Removal : Please remove the inaccurate entries from my credit report within 15 days of receipt of this letter. 

Confirmation : Provide written confirmation of the removal of these entries once processed. 

This matter is urgent, and I trust you will address it promptly to ensure compliance with federal regulations. If these entries are not corrected within the requested timeframe, I will consider escalating this issue other relevant regulatory bodies. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
According to the FCRA SOUTHWEST CREDIT SYSTEMS LP has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with non-monetary relief