vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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:
My Student Loan is now paid off as of XX/XX/2023. However, XXXX XXXX has now REMOVED the paid tradeline off of my credit report which also DELETES over 25 years of good paying history. 

This is a very important component of credit scores and after paying satisfactorily for 25 years, this tradeline does not even show up like I ever had this loan. This should still be on my credit reports for the next 10 years after it was paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Student Loan is now paid off as of XX/XX/2023. However, XXXX XXXX has now REMOVED the paid tradeline off of my credit report which also DELETES over 25 years of good paying history. 

This is a very important component of credit scores and after paying satisfactorily for 25 years, this tradeline does not even show up like I ever had this loan. This should still be on my credit reports for the next 10 years after it was paid off.

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 2024-01-25 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: AZ

Complaint narrative:
I would be grateful if you could take a moment to inspect the documents that are attached.

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 2024-01-25 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: MI

Complaint narrative:
Fraudulent accounts added to my consumer report without my 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 explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am profoundly distressed by the condition of my credit report, and my disappointment is thorough. It is not only embarrassing but also evident that either you or the company is responsible for the inaccurate information being reported. With a consistent record of timely payments, I earnestly request the removal of any references to late payments

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 2024-01-25 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-25 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: GA

Complaint narrative:
I don't want to have this on my credit XXXX  XXXX XXXX XXXX XXXX XXXX SELFREPORTED - XXXX XXXX  SELFREPORTED - XXXX XXXX  SELFREPORTED - 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 2024-01-25 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: FL

Complaint narrative:
Today XX/XX/2024 I noticed that XXXX of my accounts at Chase had been closed. I was checking in my online account because there was a charge pending for days for a flight I had reserved with XXXX XXXX for {$3300.00}. Today the charge was still pending and my accounts were closed for credit cards ending in XXXX and XXXX. I was not notified of the closing of my accounts and was not given a reason over the phone when I called several times today. I was told it was bank policy and that was it. There were other charges pending as well in both cards. Now my plans have been ruined because the charge was still pending and the flight more likely will be cancelled which is fine. I will have to use another credit card. I got transferred to an account XXXX that handles account closures but XXXX  times got an answering machine. I left a message seeking an explanation. I don't like that Chase Bank abruptly closed my accounts without any notice. I have been an excellent cardmember for about XXXX XXXX now and never missed a payment and had a good history. I also have an almost excellent XXXX XXXX of XXXX. I am seeking an explanation on why my accounts were closed so I know if my rights as a cardholder have not been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
My vehicle was ILLEGALLY towed from my apartment building ( have lived there since XXXX  ) by XXXX XXXX. 

XXXX XXXX has been illegally and systematically towing vehicles for YEARS. They have thousands of complaints and hundreds of small claims cases filed against them for these very same actions. 

When asked why they towed my car, they failed to provide a response or even the authorization for this. My apartment manager did not know anything about why this company was on the premises. 

In essence they held my vehicle for " ransom '' sort of speak because they refused to return my vehicle, even when it was illegally towed. There is a reason they only accept cash or debit card, so I had to give them my debit card and on the receipt, I clearly wrote " DISPUTE AMOUNT '' and did NOT SIGN because this was a coerced transaction. 

I immediately filed a complaint with my debit card back, Chase, and provided them with all of the evidence to support this dispute. They failed to weigh the evidence and reverse this transaction. 

Chas failed to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
XXXX {$180.00} & {$230.00} Purchase from XXXX XXXX XXXX Purchase was not made by myself or anyone in my household and I did not receive whatever it was ( product ) that was suppose to be purchased. 
XX/XX/XXXX caught these charges and disputed them. 
XX/XX/XXXX refunded me + {$180.00} Wrote them again about the charges XX/XX/XXXX refunded me + {$230.00} XX/XX/XXXX reversal {$230.00} XX/XX/XXXX dispute + {$230.00} XX/XX/XXXX reversal and charged {$180.00} XX/XX/XXXX Dispute - Provisional Adjustment Reversal- reversal charged {$230.00}. They are not refunding me {$230.00} and actually after I have done this the {$180.00} was put back on as well. 
Please help make sense of this. They have switched over to specialists several times during my chats and confusing me. I know the charges are still put on my account and they need removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
I don't want to have this on my credit XXXX -- XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Sent certified notices to the company to no avail and they continue to place a derogatory trade line on my consumer credit report when they can not present a contract between Credit Collection Services and myself. Privity of contract!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NY

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

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 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Healthcare Management, LLC
State: ID

Complaint narrative:
Got a call from phone number XXXX and it was clearly a scammer, as the did not have my name on file, and demanded that I provide my name or social security number as it is the law. Red flags everywhere, and wanted to report them for being a fake bill collecting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my refilling complaint to TRANSUNION for making no move to address furthermore, eliminate the deceitful records that is as yet thought about my credit report and proceed to harm my standing. I conveyed correspondence letters and protests to them a few times, yet until this time no further move has been made. I have appended my FTC report with report number XXXX. I was expecting that they would report exact data on my record yet it appears they are not.

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 2024-01-25 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: CA

Complaint narrative:
Upon investigation of my credit I was sent into a spiral on panic and XXXX. I found unverified inquiries and a number of unverified accounts being wrongly reported. I find the actions of the agency questionable since it is their responsibility to ensure the accuracy of the information that they report. This is having grave effects on my life and I need it fixed.

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 2024-01-25 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: Nelnet, Inc.
State: TN

Complaint narrative:
They Violated The Educational and Privacy Act of 1974.Also the Privacy a Act of 1974 The Account is coll/charge off, which is considered a Certificate of Indebtness, which means it's income and has to be Removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
I REQUESTED THE FULL REMOVAL OF ALL FRAUDULANT INQUIRES, ACCOUNTS, DEROGATORY CREDIT MARKS RELATED TO MY CREDIT FILE. I HAVE FILED A CYBERCRIME REPORT WITH ALL LAW ENFORCEMENT AGENCIES, AS WELL AS THE FBI AND REQUIRE ALL FRAUDULANT ACTIVITY TO BE STRICKEN EQUIFAX : 1 ) I DID NOT AUTHORIZE THE CREDIT INQUIRES FOR ANY OF THE COMPANIES THAT ARE ON MY CREDIT BUREAU 2 ) I DID NOT APPLY, RECEIVE, OR USE ANY ACCOUNT RELEATED TO THE UNAUTHORIZES CREDIT INQUIRES 3 ) I HAVE FILED IDENTITY THEFT REPORTS WITH ALL LAW ENFORCEMENT AGENCIES AND THE FBI AS REQUIRED BY LAW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2023 I was notified by TD Bank of an Incoming Wire Transfer credit was to be credited into one of my accounts. The wire transfer was expected and was in the amount of {$7600.00}.

This wire transfer originated from the XXXX XXXX XXXX by order of their customer, XXXX XXXX XXXX XXXX 

When the funds were not credited to the expected account I went to the local TD Bank branch and spoke with Asst Mgr XXXX XXXX ( XXXX ). He contacted the TD wire department and was told that the funds had been rejected on XX/XX/2023 and returned to XXXX XXXX XXXX  via XXXX ( used as the clearinghouse for the funds ) As an explaination for the rejection ; The international wire transfer was not accepted because the funds were sent to my " non-transactional TD acccount. '' I had provided the SWIFT code and Fedwire ABA for wires that was asssociated and available with my TD account details ( I found no indication that I could not receive funds into this account AND this information is still associated to the account ). 

TD Bank had provided me notice of the incoming wire transfer but refuses to provide a notice of the funds being rejected. 

XXXX XXXX XXXX says they sent the money and request that I send documentation that the funds were returned. TD Bank WILL NOT provide documentation that they rejected the funds ( so I have documentation from TD of the incoming wire, but no documention of the rejection ). 

TD Bank and XXXX XXXX XXXX  both say they do not have the {$7600.00}. 

I have, and continue to try and find this money. Unfortunately the information need to track the funds is not available to me. I believe that the money is in the system, it is just a matter of finding someone who has the tools/ systems and the motivation to look.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/20XXXX 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 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 2024-01-25 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: OR

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: SLM CORPORATION
State: FL

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern and dissatisfaction with the actions of Sallie Mae, a financial institution that I believe has used my personal information inappropriately and has reported my credit in bad faith.

I have recently discovered a hard inquiry on my credit report from Sallie Mae, an institution with which I have no affiliation or recognition. I firmly believe that this hard inquiry is erroneous and has negatively impacted my credit score. 

Furthermore, I feel discriminated against based on my place of origin. This is not only a violation of my rights as a consumer but also a breach of the ethical standards that every financial institution should uphold.

I am confident in my financial behavior and I am certain that this hard inquiry does not reflect my actions. I am deeply concerned about the potential long-term impact this could have on my financial future, and I am determined to rectify this situation.

I kindly request your assistance in investigating this matter further. I am hopeful that with your intervention, Sallie Mae will take the necessary steps to correct this error, remove the hard inquiry from my credit report, and ensure that such discriminatory practices are not repeated. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
Upon investigation of my credit I was sent into a spiral on panic and XXXX. I found unverified inquiries and a number of unverified accounts being wrongly reported. I find the actions of the agency questionable since it is their responsibility to ensure the accuracy of the information that they report. This is having grave effects on my life and I need it fixed.

Company response to consumer: Closed with non-monetary relief