vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EXPERIAN credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.

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 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a complaint of fraud with Chase because I lost my phone and debit card about a month ago and it was used to withdraw funds from my bank account and I did not authorize any of the transactions. Chase did not provide me with conclusive evidence of why they denied my claim or dispute and appeal. The unauthorized transactions happened on XX/XX/XXXX and it totaled to be around almost {$28000.00} that was wiped out within a one hour timeframe. I believe it was an inside job and Chase is trying to cover themselves for not holding responsibility of allowing this to happen to me, and they do not want to be holding themselves accountable for breaking protocol. I will be getting a lawyer and taking them to court to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
On XXXX, I was notified by XXXX  XXXX that " There was a change in the payment status of XXXX of your accounts, '' which upon reading I went into the XXXX  XXXX Mobile app and went to the " See Details '' section of XXXX, the free credit monitoring feature attached to my credit card account. I discovered that my credit score was decreased by XXXX points. I went to the Alerts section and saw that AesXXXX XXXXeported my student loan account as delinquent on XX/XX/XXXX to XXXX. On that day, XX/XX/XXXX, Aes/XXXX XXXX XXXX reported my student loan account as delinquent to XXXX. This was due to a payment of {$14.00} that was past due from XX/XX/XXXX. I also had another payment of {$13.00} that was due on XX/XX/XXXX. 

Immediately upon realizing this amount was overdue, I looked at any efforts to notify me of this account going delinquent before it did so. I knew that I have never been more than a couple days late with payments in the entire history of the loan ( since XX/XX/XXXX ). 

Upon checking my inbox in the Aes website, I discovered XXXX reminder on XX/XX/XXXX about the aforementioned interest that was due and overdue. I discovered that on XX/XX/XXXX, I was also sent Paper mail regarding my student loan account being overdue for a payment. I looked through my file, and learned that it still had my old home address. However, I had a forward active with XXXX since XX/XX/XXXX so that I would still receive my mail regardless of the address on other accounts, and since I check my mailbox every week, I would have seen a letter from Aes, which I had not. 

I immediately paid the entire balance of {$27.00} that was due, and even paid the interest of {$14.00} that was posted the day after. 

On XX/XX/XXXX, I discovered another letter that was actually sent to my previous address from the XXXX XXXX, XXXX that states that this delinquent account was submitted to them, a DEBT COLLECTOR, wherein the letter it states, " As of the date of this letter [ XX/XX/XXXX ], you owe {$0.00}. '' In addition to reporting my account delinquent, Aes submitted my information to a debt collector for what it seems like no reason at all, and yet, it significantly decreased my credit score ( and has not improved since I made the payments due ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I had identity theft and have XXXX fraud accounts one with XXXX and another is a business account with XXXX. I have filed police and FTC reports, the other credit agencies have removed the fraud account, but for Experian they refuse to remove the fraud or provide reason of why they refuse to remove fraud and attempt to hold me liable for fraud when evidence has been provided. They even refuse me online access Why they did not remove the fraud identity theft account, the same as XXXX and XXXX have XXXX XXXX {$1600.00} JPM Biz {$52000.00} Experian has not addressed the matter. They have fraudulent accounts on my credit report and refuse me access and refuse to remove them. While I have provided XXXX and XXXX letters showing they are to be removed XXXX XX/XX/24 a supervisor refused me access after I informed him there is fraud. He told me that he sees the fraud and will not grant access due to internal issues. Experian has hurt my credit for over a year now.

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 2024-05-24 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: NJ

Complaint narrative:
Could you get rid of these inquiries? I don't know anything about them, and the company acted without my agreement.

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 2024-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I have an old credit card that was closed in XX/XX/XXXX with a balance with XXXX. XXXX then sold the debt to Collectors Patenaude & Felix. In XXXX, they attempted to take me to court to pay for the amount owed. I filed an appeal and won. The case was dismissed. I have worked very hard to pay off all my outstanding debt with different collectors. It is now a good time to contact Patenaude & Felix and try to resolve my balance. I spoke with XXXX XXXX who began to give me a lot of false information. First she said she couldnt work with me until she had proof that I was no longer working with XXXX XXXX XXXX who I previously worked with. I relayed that Ive worked with other debt collection companies and no one has ever said this so then she changed her tone with me once I verbally told her I was not working with them any longer. Secondly, she said that her company filed a suit against me and its ongoing so she can not work with me. I told her that the case was dismissed because I appealed it. She said she didnt have that information and asked me to fax her my documents saying so. I said it was public information and she can look it up. Third she said that legal action can still be taken against me. I relayed that it has been over 4 years since the account was closed and that the statue of limitations was over. Fourth I said that I am aware that there is a balance sitting there. When my card was closed it was {$1500.00}. My credit report shows {$2000.00}. She said her system shows {$3500.00}. I asked that since this account is very old, if I can resolve it with {$1000.00}. She said no. I am also aware from working with another collections company that since the statue of limitations is over, that the collection company can not negotiate any longer and that the consumer can offer an amount to resolve the account. XXXX XXXX was not hearing any of this. All she kept doing was threatening me with legal action because her computer showed that something had been filed and it was still ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXXXXXX XXXX ] [ XXXX ] TransUnion : [ 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR 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 explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
My name is XXXX XXXX. 
I am writing to inform the " Consumer Financial Protection Bureau '' that i was bribed, scammed by this account number XXXX, belong to XXXX XXXX. 
the bank name is Discover bank. 
That Discover bank is fostering a network of scamming, and had refused to return the sum of {$20000.00} that XXXX XXXX XXXX, with his accomplices scammed me. 
The scammer with his accomplices had promised me a private agent job for Actor XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-23 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EQUIFAX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am former XXXXXXXX XXXX Borrower Defense discharged most of my loans tied to XXXX I discovered there was private loan, without my knowledge and consent. The loan is managed through Navient ( Sallie Mae ), as I stated previously I was unaware that I had any private loans. I requesting documentation on this loan as I believe this the loan not ok or signed off by me.

Im asking for explanation as why the first request for dismissal was denied as Naviant did not provide a clear explanantion. Naviant explanation " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school ''. I am requesting through look into this and I am considering legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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 want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: Beach Cars of West Palm Inc.
State: FL

Complaint narrative:
In accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-05-23 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: WV

Complaint narrative:
I use XXXX XXXX app and on XX/XX/year> there was a bunch of charges totaling {$4100.00} taking out of my account. I contacted my banking establishment ( Chase ) to filed a claim. They cancelled my claim without notifying me. And when I contacted them for a status thats when I was told. I then contacted XXXX about the charges and they concluded the investigation and said they see no suspicious activity. I then notified my bank again and they started a claim and then it got denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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