vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My Chase Sapphire Reserve credit card has been on good standing for more than 6 years. Chase abruptly closed my account while I'm traveling outside of the US ( they sent a paper mail to my address that I do not have access to at the time ) and offered no recourse to reopen my account by a rude and unprofessional customer service representative on the phone, with the only reason given being suspected money laundering activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On Friday, XX/XX/2022, I received a called from XXXX XXXX XXXX requesting a check verification. I logged into our bank account as the check was out of our normal sequence. Once logged in, I noticed the check was altered and not written to any name that I recognized. The credit union was able to place a hold on that account. We notified Chase and Chase was able to reverse the check. I also entered into the Chase system 4 checks that were stolen from a blue box at the post office, to ensure that these checks would be flagged if they were cashed. Shortly after on XX/XX/2022, I noticed 4 more fraudulent checks attempted to clear our account and on XX/XX/2022, 5 checks attempted to clear the account. I was able to stop these checks through positive pay. Fast Forward to XX/XX/2022, while going back through our account, I noticed a batch of checks that were duplicate check numbers that were fraudulently cashed against our account. I called Chase to add these checks to the first claim as these were missed. The first agent that I spoke with told me since it was later that these were found, I would have to fill out an affidavit and it could take up to a year for the funds to be reimbursed. I waiting for the paperwork and in the mean time I contacted our local banker. I tried tirelessly to find the original confirmation number for the first claim, but I was unable to find the note with the number. Chase claimed we they could not find a claim number. I sent in the police report, copies of the checks, and the affidavit but Chase quickly denied the claim due to the lapse in time. I have tried everything for Chase to work on getting our money back but run into a brick wall each time. The account should have been on alert as we entered a batch of checks as stolen, called in about a fraudulent check and also caught over 9 checks attempting to clear our account. Chase did nothing to stop the duplicate check numbers that did clear our account and offered no further help besides denying our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
To whom it may concern. 

I don't have exact dates for the below description of events but will try my best to be as specific as possible. 

XXXX ) I leased a Hyundai XXXX from Hyundai that was financed through Hyundai motor finance. 
XXXX ) During the lease period, Hyundai changed their internal policy regarding how excise tax was billed and paid. This included Re-routing payments to the lease toward the excise tax and negating the monthly payment. I WAS NOT NOTIFIED OF THIS POLICY. 
XXXX ) I never missed a payment to Hyundai, nor were any of my payments late. Hyundai allocated XXXX payments to my excise tax and marked my scheduled payments as delinquent. HYUNDAI FAILED TO REPORT LATE PAYMENTS TO ME OR NOTIFY ME OF THIS POLICY, XXXX ) I received a phone call in the summer of XXXX notifying me that my car was going to be repossessed. I had not missed a payment and was not aware that I had any outstanding bills with the finance company. I PAID THE ENTIRE OUTSTANDING TAX ON THIS CALL AND WAS TOLD THAT IT WOULD NOT AFFECT MY CREDIT REPORT. 
XXXX ) In XX/XX/XXXX, I returned to lease another vehicle from Hyundai. I was then informed that i could not qualify for the lease because my credit score was a XXXX. HYUNDAI MISREPRESENTED THEMSELVES ON THE WHERE THEY TOLD ME MY CREDIT REPORT WOULD NOT BE AFFECTED. 
XXXX ) While at the dealership, I contacted Hyundai Motor Finance to inform them that they had, in fact, destroyed my credit score and that I was trying to lease another vehicle. I WAS TOLD ON THIS CALL THAT HMF WOULD FIX THE CREDIT REPORT. They informed me that this would not be immediate. I was forced to lease the vehicle under my wife 's credit until the correction would take effect. THIS WAS THE SECOND LIE FROM HMF. 
XXXX ) My credit score at the time of the lease of the Hyundai XXXX was XXXX. It dropped to XXXX. I could not a ) refinance my home to a lower rate and b ) not lease a new vehicle due to this change. The only bad marks on my credit score were the XXXX from HYUNDAI. 
XXXX ) I have filed complaints with both the BBB and the credit score companies. They had done an investigation with Hyundai that went unanswered. HYUNDAI DID NOT RESPOND TO THE INVESTIGATIONS. 
XXXX ) I called HMF on a dozen occasions to try to plead my case only to have it fall on deaf ears. This has taking days worth of time and has not amounted to anything. 
XXXX ) HMF HAS ALREADY BEEN SUED ON A CLASS ACTION LAWSUIT FOR THIS EXACT BEHAVIOR AND LOST. 

If there is anything that can be done to correct the pain on my credit score and protect others from this predatory behavior, please let me know. I would advise anyone not to do business with this corporation.

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 2024-01-29 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: SC

Complaint narrative:
I recently pulled a copy of my credit report and noticed accounts that I have no affiliation or knowledge of. In XXXX I attended a company event and my purse was stolen that included my personal information. A police report was made with the local authorities. I've contacted the credit bureaus twice in XX/XX/XXXX and XX/XX/XXXX attempting to get this resolved. I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishing the accounts to my profile without my written consent or permission is in violation of 15 USC 1681B.

I have a researched these creditor and I have never had any accounts with them These accounts have been reported to my profile due to identity theft, which further violates 15 USC 1681 c-2. No accounts due to identity theft should be furnished to my profile. 

I also noticed credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have not authorized or given written consent.

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 2024-01-29 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: SC

Complaint narrative:
I recently pulled a copy of my credit report and noticed accounts that I have no affiliation or knowledge of. In XXXX I attended a company event and my purse was stolen that included my personal information. A police report was made with the local authorities. I've contacted the credit bureaus XXXX  in XX/XX/XXXX and XX/XX/XXXX attempting to get this resolved. I have no knowledge of XXXX XXXX, XXXX XXXX, or XXXX XXXX. Furnishing the accounts to my profile without my written consent or permission is in violation of 15 USC 1681B.

I have a researched these creditor and I have never had any accounts with them These accounts have been reported to my profile due to identity theft, which further violates 15 USC 1681 c-2. No accounts due to identity theft should be furnished to my profile. 

I also noticed credit inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX  that I have not authorized or given written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: MN

Complaint narrative:
I have a duplicated transaction happend on my Discover Debit Card and another bank debit card. I submitted support documents as the evidence to Discover bank for claim my money back but they thought the bank statements of the transacntion from another bank is not enough for the dispute claim. My Discover Checking Account number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: EQUIFAX, INC.
State: TX

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 confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm sending this letter as I recently pulled my credit report and found unauthorized inquiries which are not associated with me. They are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Leafy Financial, LLC
State: LA

Complaint narrative:
Leafy Financial reported a {$6000.00} open collection account on my credit report without notifying me with a letter of dispute. I called them for a validation of debt of the original contract agreement with signatures, and a detailed ledger of how I owe {$6000.00} but refused to discuss or send information. I never dealt with this company. I will like for this to be removed from my credit report due to not following protocol before putting on my credit. I have 2 other companies to notify me about the same debt but different dollar amounts. Where and Who did this debt come from?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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:
I am writing to file a complaint against Equifax regarding inaccuracies on my credit report. On XX/XX/XXXX, I contacted Equifax about the following incorrect information, and to date, I have not received a response. I am seeking your assistance in resolving this matter. 

Details of the inaccurate information and required corrections are as follows : 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 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 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 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 XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Improper useof consent without permission state in the Credit law

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 2024-01-29 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: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed inquiries that do not belong to me when I reviewed my credit profile

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 2024-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: ME

Complaint narrative:
I submitted a case to the CFPB on XXXX and my case was subsequently closed ; however, my case was never resolved. Nelnet responded to the CFPB complaint but never fulfilled their resolution. Please reopen my case until Nelnet fixed my account. Please see details below. 

I was refunded approximately $ XXXX for student loan payments made during the pandemic. However, only a portion of these student loan accounts were properly reinstated on Nelnet. There are approximately {$7000.00} of loans that are classified as " paid in full '' and I am not allowed to make any payments on these loans. The loans are accruing interest, but I can't make any payments. I need these loans to be reinstated properly and included in my monthly payment amount. Call times for Nelnet customer service are significant, I am currently on hold on XXXX for 2 hours, 27 minutes, and I still haven't gotten a representative. I filed numerous complaints through the Department of Education and haven't had any success. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

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