vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 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: AZ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I paid of my loan with Mariner Finance in the amount of {$3000.00} on XX/XX/year>. Within a few days this company reported to the credit bureaus that I owed the entire amount. I disputed with the credit bureaus and the loan balance was changed to zero. Today, XX/XX/year>, Mariner Finance reported to the credit bureaus that I owed {$3000.00}. I called Mariner Finance and spoke to an employee named XXXX who said that they responded to my dispute with the credit bureaus and reported that my account is active and has a balance which is fraudulent reporting when my account. Is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
To Whom It May Concern : According to what you have reported to the credit bureaus the account number you supplied in connection to me report is XXXX in which YOU claim that I owe {$1500.00}. This is a formal notice that your claim is disputed. I am requesting validation that I OWE MIDLAND CREDIT, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. This has just come to my attention after pulling my report. Please note that I am requesting validation ; that is competent evidence showing this account belongs to me, I OWE YOU and have signed any agreements with you surrounding this. Please update this information to show never late/remove late payments. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. XXXX I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I bought ticket with XXXX XXXX amount XXXX XXXX on XX/XX/XXXX via Chase XXXX The ticket that I was charged is unable to return, but its possible to change date with the changed fee {$300.00}. At beginning, I just was going to change ticket, but I didnt know how to do it online, so I called their Customer Service and they told me if I need to change ticket I had to cancel original ticket first, they would give me the points, then I could use those points to buy new ticket and pay for exchanged fee & different fare, but when I cancelled ticket they didnt give a the points, I called back to them to ask then they told me that I must call them let them cancel ticket, not do by myself, but the main thing they didnt mention this to me so how I know? I feel I have been treated and they didn't do as their Customer Service said, so I made dispute charge. I made dispute with Chase Bank, at least 2 times I received Chase letters said my dispute already resolved but I was keep waiting but no charge was returned back to my account, I kept making few more claim letters with Chase since XX/XX/XXXX to XX/XX/XXXX then finally Chase rejected my dispute due " ticket policy is no return ''. 
This isn't correct, first thing, I didn't want to return, I wanted to change ticket date but their customer service didn't do as what they said, I felt not satisfied with this, so I made dispute, because it happened long time ago, so I don't have record for the date I talked to their Customer Service, Second thing, Why Chase Bank sent me letters said my dispute were resolved but finally they changed, what did they do before they send letter note to Customer, how come they can change completely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of 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 2024-08-23 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX I'm Not Liable for this debt with Defenders

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 2024-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
THIS IS RIDICULOUS FIRST OFF THE LEASE WAS SIGNED XX/XX/XXXX. THIS FRAUDULENT LEASE ALTHOUGH IT HAS THE CORRECT MOVE IN AND MOVE OUT DATES ON IT, ITS DATED FOR XX/XX/XXXX. THATS BECAUSE THIS UNSIGNED LEASE WAS CREATED TO DEFRAUD ME. THATS WHY THEY CANT PRODUCE A SIGNED LEASE WITH THE GARAGE ADDED TO THE RENT. IN ADDITION THE RENT AMOUNTS THEY SHOW ARE CORRECT BECAUSE THEY DIDNT CHANGE THAT AMOUNT THEY JUST ATTEMPTED TO ADD IT TO MY LEASE AND CHARGE ME FOR IT PLUS DAMAGE TO IT BUT THEIR ATTEMPT FELL SHORT BY NOT ADJUSTING THE RENT NUMBERS. IN ADDITION TO THAT THE ITEMIZED LIST OF CHARGES ARE MISSING SEVERAL ITEMS THEY CHARGED ME FOR LATER IN THE DOCUMENT. I WOULD LIKE TO END BY SAYIND ALL THE CHARGES INCURRED BY ME ALLEDGEDLY ARE POSITIVE AMOUNTS IN THE LEDGER AND THE NEGATIVE AMOUNTS ARE ALLEDGEDLY WHAT THEY REFUNDED ME. WHY THEN IS THIS STILL ON MY RECORD BECAUSE ACCORDING TO THEIR OWN RECORDS THEY OWE ME A CREDIT OF OVER {$7000.00} AS IT IS ENTERED AS A NEGATIVE AMOUNT NOT A POSITIVE AMOUNT. I WILL RESUBMIT THIS DISPUTE WITH THE PAPER THEY PROVIDED NOTED AND DETAILED ILLUSTRATING THEIR FRAUDULENT PRACTICES. HOW DOES THE CFPB JUST CLOSE THIS OUT WITHOUT DOING ANY KIND OF INVESTIGATION TO FIND OUT THE OBVIOUS WHICH IS THE DATES DONT EVEN MATCH UP THERE ARE NO SIGNATURES ETC. WHAT A JOKE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CO

Complaint narrative:
Sent payment on XXXX and was lost by Discover Financial Services. Resent on XXXX on showed cashed/cleared on XXXX. 
Missing again as of XXXX. XXXX plus phone calls numerous disconnects rude representatives and hours on the phone and no resolution. Wrongly canceled our cards misconstruing we signed up with debt reconstruction when we did a debt " consolidation '' loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-23 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: GA

Complaint narrative:
I NEVER GAVE ANY OF THE CREDIT BUREAUS VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THIS DISPUTE. I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT FILE AND YOU HAVE NO PERMISSIBLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. $ 1028A. YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED, OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME, WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT, IN ADDITION TO CIVIL LIABILITY.

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 2024-08-23 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: GA

Complaint narrative:
I NEVER GAVE ANY OF THE CREDIT BUREAUS VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THIS DISPUTE. I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT FILE AND YOU HAVE NO PERMISSIBLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. $ 1028A. YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED, OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME, WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT, IN ADDITION TO CIVIL LIABILITY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, l'Il take legal action against 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 non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 2024-08-23 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: AZ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-08-23 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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
This relates to the previous complaint I submitted about XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX ) opened up my closed bank account to accept a refund from XXXX, but sent two mutually exclusive return codes. This confused XXXX which caused them to reverse the transaction, sending my account into a negative balance. For two years, I argued with XXXX XXXX XXXX about this and they refused to listen to me and even submitted several misstatements, excuses, and flat-out lies to the state of Washington. I tried to dispute this report on chexSystems because it prevented me from opening up a bank account for my new business. All ChexSystems did was ask XXXX if it was correct - that is NOT an acceptable protection for consumers! A thorough investigation should have been done. I'm getting ready to buy a business and may not be able to obtain an SBA loan due to this comment on ChexSystems " verified accurate '' - it's NOT accurate, as evidenced by the response from XXXX, saying that THEY had the missing funds, not me. But for two years, XXXX lied about this to everyone involved. ChexSystems HAS to do more than just ask a corrupt financial institution if the incorrect information they submitted is accurate. They need to take consumer evidence into account and ask questions. ChexSystems did NOT protect me as a consumer, in fact, it made ME look even worse!!!!

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have made multiple attempts to resolve this issue with Transunion agency and nothing has been done please immediately remove all incorrect information immediately pursuant to my rights under FCRA

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 2024-08-23 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: MOHELA
State: MI

Complaint narrative:
On XX/XX/XXXX I paid MOHELA {$11000.00} that was supposed to entirely to my first 2 loans and pay them off as they had the highest interest rates. The money was removed from my account immediately but the transaction did not post for over a month at which point it was split amongst all 5 loans I have instead of the ones I selected ( I have the confirmation it was meant for those 2 ). 
For months now I've spent an obscene amount of time on the phone to be told it would be corrected but wait a week or 2, it's still not been corrected and they never sent the information I requested. I also filed a complaint with FSA XX/XX/XXXX and never heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have tried to remove two repossessions from all of my credit reports. The first is with Exeter Finance ; car reported stolen and insurance claim paid out XXXX XXXX which is reported as a repo but the account was settled in divorce court

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

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. 

Account Name : Unknown # XXXX - Date Opened XX/XX/XXXX - Balance {$760.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: CA

Complaint narrative:
Hard inquiry was sent XX/XX/2024 without my permission by XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
I am owed a refund from XXXX 2023 for late billing notification and I have not received it. Mohela customer service gives a different excuse every time I email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation