vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 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: CA

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX XXXX XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is  wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My identity is stolen and someone somewhere is using it to apply for XXXX XXXXXXXX XXXX and XXXX XXXXXXXX credit card as me. It seems they have collected a loan from XXXX and trying to create bank accounts using my information. I have received alert from experian of hard credit inquiries which is affecting my credit score badly. Please I need help. Thank you.

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 2023-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I would like a full investigation into this company and their practice of stealing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: CA

Complaint narrative:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I contacted Capital One last year about two payments in the amount of {$1500.00} and {$800.00} that were made to XXXX XXXX XXXX of XXXX NY to complete a job and merchandise but never received it. Capital One refused to investigate the incident thoroughly and advised that I should contact XXXXXXXX XXXX XXXX, XXXX in-order to get my funds returned. I did so but never received any response from XXXX. After a months and month of contacting Capital One for an update they were unable to provide an update. I would like my funds in the amount of {$1500.00} taken out of my account on XX/XX/2022 and {$800.00} taken out on XX/XX/2022 returned to my account after an investigation conducted with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I purchase a large amount of gift cards every year for company use. Sometimes there are a few left over after holiday and they are locked up in office for further use. 
One leftover card was given to an employee for good work around XXXX of XXXX. The employee ( XXXX XXXX reported that there was no balance left on the card. Since the envelope was sealed and in locked place, it seemed impossible. I called Amex gift card and was told that the card in question was used to make purchases such as XXXX in XXXX! I asked for a full accounting and was told I had to go to website. In the interim she gave me a case # XXXX. I went to website and tried several times. It said card information was unavailable - call phone #. Called again, spoke to XXXX who told me that she did not have access to these transactions. I asked for Supervisor. She said Supervisor does not have access to these transactions. I tried to e-mail and received the same reply five times - " Unfortunately, your claim has been denied. If you would like to review your transaction history visit the website or call customer servivce '' ... I kept e-mailing back to say I had done this but did not get an answer and I received the same exact language reply over and over. The last time I aske to be connected to a human ( I'm guessing AI gives the same exact answer over and over... ) And now have no reply. I purchased {$3000.00} in gifts cards on XX/XX/XXXX and on XX/XX/XXXX. The card in question was in the amount of {$250.00} and had a reindeer on the front. I have the card in my possession. I charged the cards on my Amex card and tried to dispute the charge but they said it was too old to dispute. I am beyond frustrated that someone used this gift card number fraudulently and there is nothing Amex will do about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
Starting XXXX of this year, I got a alert on all 3 credit bureaus that I have a new collection from this fraudulent company. I looked up this company to inquire & was immediately verbally harassed & hung up on for trying to gather information on this collection. Ive never had a collection or unpaid anything IN MY LIFE & it is ruining my credit as of XX/XX/2023. Ive dispute w/ all 3 credit bureaus and only XXXX confirmed to me that this debt isnt even under my name or social security! Complete Fraudsters taking advantage of hard working citizens for profit. As a young armed forces veteran I expect better care but respect & honor only goes so far for many. I want this collection removed indefinitely, Ive tried contacting multiple times over the last few months & constantly I get harassed & verbally abused & hung up when I try to get receipts or concrete info detailing anything! Please, by XXXX help me get rid of these hasslers off my credit. Blessings

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/2023 Transunion bought sold and reported inaccurate information from a creditor XXXX XXXX XXXX who was reporting inaccurate information of a balance of {$59000.00} from a creditor i have no knowledge of these companies caused me to be in financial distress and emotional distress i was unable to seek housing for months which caused me to be homeless and going house to house with families i couldnt afford the debt i couldnt move foward in life i had to pay for professional credit advice and repair i had to spend too much time tryna resolve this issue that transunion wasnt trying to resolve not only that i was apart of the XXXX breach all this became a setback

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 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
On XX/XX/2023, at XXXX I send myself ( recipients name : XXXX XXXX XXXX XXXX and transaction number : XXXX XXXX XXXX XXXX ) through Remitly, {$2900.00} to my XXXX  bank ending in XXXX. The transfer was held for more information. I send that information on XX/XX/2023. On XX/XX/2023 a someone claiming to be from Remitly called to discuss the issue. They identified me with my name and the exact amount that I was transferring. They said that the bank was still verifying the funds but that they would change the verification officials. They didnt ask me any information nor did I provide any of my passwords or data. When I went to check on the transaction it was complete but someone had changed the transfer number XXXX XXXX XXXX XXXX, the recipient to a XXXX XXXX XXXX XXXX, and the bank account to one ending in XXXX. This change was done without my authorization. I called Remitly and was routed to their fraud department that said that they would close my account, look into the matter, and to go file a claim with my bank. The representative said that this was a case of fraud and that they would work with my bank to return my money and shut down my Remitly account. He noted that I only ever send to my own account and this was suspect to him. At my bank they said that it was on Remitly to refund my stolen money as on their end the transaction was legitimate. When I called back to Remitly they quickly changed their tune and said it was not fraud and I had authorized the rerouting. I asked how they knew it was me that rerouted the funds, they said I spoke through them through text and confirmed via a text sending a temporary password. I never spoke to them nor did I receive a text from them. They said that they had my IP address of my phone as XXXX XXXX. On that day I was not in XXXX XXXX either. When I asked for the full bank account of where the money went to pursue the case through XXXX legal system, they said they would not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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:
The Fair Credit Reporting Act has been infringed upon by XXXX  in relation to Account Numbers # XXXX and # XXXX, thereby violating my rights. 

According to 15 U.S.C. 1681, Section 602 ( A ), I am entitled to privacy rights. 

Furthermore, under 15 U.S.C. 1681, Section 604 ( A ) ( 2 ), it is stipulated that a consumer reporting agency is prohibited from providing information about my account without receiving my explicit 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 2023-12-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: VA

Complaint narrative:
I received a notification that my account was delinquent and that I owed {$1100.00} on my student loan bill. I checked my payment history and it appears my payments are not being applied since XXXX. My payment history shows the last payment received and applied was XX/XX/2023 ; however, I have paid {$2300.00} since then as follows : - {$500.00} on XX/XX/XXXX - {$600.00} on XX/XX/XXXX - {$600.00} on XX/XX/XXXX - {$600.00} on XX/XX/XXXX I have called but never connected : I have emailed but no response. Servicer is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The car have increased again by {$2000.00} dollar based of Experian failed to follow the guidelines of the Fair Credit Act Law that requires Credit Bureau to keep information undated on a monthly basis without and excuse My personal life have been put on hold this have fully stressed me out and this company needs to be held accountable for their actions Im requesting arbitration to be started before the complaint is closed this will give me a equal opportunity for a settlement of {$75000.00} I cant get a credit line increase on my soft inquiries that I deserve Experian manager needs to be fired asap no if and or buts about it I believe my lawyer is stepping in next week to take this claim Experian need to represent paperwork that indicates I used the name list on my account as ( ( also know as ) XXXX XXXX if it remove the fake name your employee created to commit fraud and theft this name was created by an Experian worker or manager with no evidence that I utilized this name never ever used XXXX XXXX remove this name I asked over 15 months ago to remove XXXX XXXX asap Experian employee and manager create fake names and addresses to commit fraud with these is inside fraud occurs how are they allowed to keep on placing in accurate information on your Credit Report when information supposed to be verified and validated facts for all the employees and managers that created the fake addresses and fake names on my account. I asked to fully be terminated and not allowed to work in the Credit Report agency for the rest of the life. 

Due to the pain and suffering this have caused me to have a mental breakdown

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report This inquiry was not authorized please remove this from my credit report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase refinanced our mortgage in XXXX of XXXX. The agent who handled the process is XXXX XXXX. 

When XXXX XXXX submitted the documents to Escrow, the proper box was checked, indicating the property was a transfer between parent and child on the Primary Change of Ownership Report. 

However, XXXX XXXX didn't include the BOE 19 CA CLAIM FOR REASSESSMENT EXCLUSION FOR TRANSFER BETWEEN PARENT AND CHILD. 

The results of this mistake caused our taxes to increase by {$14000.00} a year and our house payment to increase by {$1200.00} a month. 
Our house payment went from {$1500.00} to nearly {$2800.00} a month. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( # XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was advised that the agent handling the transaction, XXXX XXXX, should have included the BOE 19 CA. 

We sought legal advice from an Attorney to find out what document wasn't submitted in Escrow. The attorney researched, finding the missing document, which was the BOE 19 CA and we submitted it to the XXXX XXXX XXXX Assessor ourselves. 
I contacted XXXX XXXX to find out why the BOE 19 CA document wasnt submitted in Escrow and was told this wasn't their responsibility. 

Currently, we are waiting for the Assessors to approve reassessment of our property taxes which could take months to resolve, as I was told by the Assessors office. They are behind from XX/XX/XXXX! 

My wife and I are retired and were confident that we were making the informed decision to choose Chase to help us secure our financial future by locking in an affordable mortgage payment. Hiring an attorney is not our first option, as we dont want to incur additional financial burden. However, we are prepared to resolve this issue by any means to save our home. 

Chase needs to accept responsibility for the mistake their employee made and become actively and expeditiously involved with the XXXX XXXX XXXX Assessor 's Office to help us get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: PA

Complaint narrative:
Ed Financial Account is disabled for MONTHS, tried calling SEVERAL times and never get to speak with anyone, wait on the phone for long periods of time and get hung up on. Tried live chat with zero help, tried emailing with NO response. Set up auto pay months ago and they took one payment and havent taken a payment since making it late. I cant login to my account to fix or pay because it is disabled code XXXX! I have tried everything I know to do to resolve this issue with zero luck!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: LEXISNEXIS
State: FL

Complaint narrative:
I have sent a certified letter to LexisNexis on XX/XX/XXXX and they received it on the XX/XX/XXXX. the letter stated to remove bankruptcy because the courts didn't provide no information has such. their respond was they haven't received it, so i send the information again today XX/XX/XXXX certified. it also includes my ID, XXXX bill to verify its me, which the previous letter also included. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL, XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To Whom it may concern : This is the second time XXXX sending this later first was on XXXX/XXXX/XXXX now XX/XX/XXXX, which you claimed you havent received. I have a certified receipt that it was delivered and this one will also have XXXX. 
I noticed your furnishing information on my consumer report which is confidential. I have a letter from the bankruptcy court saying they do not report any filings with credit agencies. 
According to 15 USC 1681a ( 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. 
This is a violation of my rights as a consumer, so delete this immediately.

Company response to consumer: Closed with non-monetary relief