vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: MI

Complaint narrative:
There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXX on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXX, MI XXXX should be present on my account Accounts XXXX Bank Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - XXXX days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - XXXX  days late XX/XX/XXXX - XXXX days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX  # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account XXXX XXXX On XXXX this account is listed as XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX USA ), Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

TD BANK N.A. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$68.00} XXXX XXXXXXXX Balance : {$0.00}

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 2024-04-09 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: TX

Complaint narrative:
These accounts represents a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding these fraudulent accounts, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the institution 's actions have resulted in significant harm to my financial well-being. The account is : MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX XXXX MOHELA/XXXX XXXX XXXX XXXX MOHELA/XXXX XXXX XXXX XXXX MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX  XXXX, MOHELA/XXXX XXXX XXXX XXXXXXXX, MOHELA/XXXX XXXX XXXX  XXXX, MOHELA/XXXX XXXX XXXX XXXXXXXX XXXX MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELAXXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX XXXX MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELA/XXXX XXXX XXXXXXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX  XXXX, MOHELA/XXXX XXXX XXXX XXXXXXXX XXXX MOHELA/XXXX XXXX XXXX  XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX XXXXXXXX, MOHELA/XXXX XXXX XXXX XXXX, MOHELA/XXXX XXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Back in 2019 me and a couple of our friends was out in the town when i lost my wallet. I now have a collection on my credit stating i owe money to some apartments i never lived in. I also have proof of the lease where I resided when the fraud happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To whom it may concern, I hope that this message finds you well.

I am writing to you about an extremely unpleasant experience that I encountered while banking with Chase. On XX/XX/year>, my Chase account was frozen and later permanently closed due to potential fraud ( someone was trying to use my XXXX to send money ) .I was not informed of the closure and had to find out by going into a branch. 
The local banker helped me to submit the request to issue the check with the refund in XXXX and was told the check would arrive in early XXXX. However, the check did not arrive. We followed up with the banker, she followed up and told us that we could expect the check late XXXX or early XXXX. Well, that did not happen. Meanwhile, I called Chase customer service agents 5 to 6 times, each time I got a diffrent answer. 
We followed up again in XXXX, and the banker also called the back office again and was only told that the account was still under legal review & that there was no timeframe as to when the check will be issued. 

In a last ditch of effort before submitting this complaint to CFPB, I wrote an email to XXXX XXXX, the CEO of Chase, JPMs retail arm in XXXX, hoping to raise urgency and awareness to this matter. Unsurprisingly, no one has read/responded the emailIts already XXXX, and I am still waiting for the check This has been extremely inconvenient and time-consuming for me and for the local banker, for the issue has dragged for almost 6 months. Therefore, I wanted to reach out to CFPB and see if you can help me to resolve this issue. 

I do not have information of my exact remaining balance since my account has been closed. I could not log into my account either mobile app or online. 

I greatly appreciate your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
During my recent interaction with Capitol One Bank one of the customer service representatives, I encountered a troubling situation. Despite providing all necessary personal information to verify my identity, I was denied access to information about my account. The customer service representative refused to give any information about the credit card account or access to the online statement This lack of transparency and accountability is highly concerning, especially considering the sensitive nature of financial matters and the importance of clear communication between customers and service providers. 
The customer service representative refused disclose their last name and probably gave me a fake first name of XXXX or any identifying information about their location, making it impossible for me to adequately address my concerns or follow up on the interaction that would allow me to file a written complaint mail. 
Furthermore, withholding essential information such as the name and location of the customer service representative impedes my ability to provide detailed feedback or escalate the issue appropriately. It is crucial for customers to have access to such details when seeking to address concerns or complaints. Since Capitol One Bank has so much access to my very personal information, I find it difficult to believe I'm not allowed to receive enough information to file a proper complaint. 
I respectfully request an investigation into the failure and refusal to give customers access to their own information. This is not the first time I have had difficulty accessing information regarding my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: CO

Complaint narrative:
I am a XXXX XXXX  XXXX XXXX. 
A XXXX and as such it is against FEDERAL LAW for any provider who accepts XXXX to bill A XXXX for any co pays or outstanding amounts. XXXX XXXX XXXX Continues to send this bill to collections agencys. They have been notified by XXXX Billing personnel and must cease billing or sending this bill to collections agencies in an attempt to threaten me and cause damage to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-09 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: GA

Complaint narrative:
I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) and formally request the immediate removal of charged-off accounts from my credit report. The presence of these accounts not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that consumer credit information reported by credit reporting agencies must be accurate, relevant, and timely. However, the charged-off accounts listed below fail to meet these standards and must be removed without delay : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. Balance : {$1800.00} ( as of XX/XX/XXXX ) Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXX. Balance : {$1600.00} ( as of XX/XX/XXXX ) Account Name : XXXX XXXX Account Number : XXXX. Date Opened : XX/XX/XXXX Status : Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. Balance : {$2400.00} ( as of XX/XX/XXXX ) Furthermore, I have never received a 1099-C Form related to any of the alleged debts. It has come to my attention that these companies have utilized the debts as tax write-offs without providing proper notification, which further exacerbates the inaccuracies on my credit report. 

Per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action to enforce my rights under the FCRA. I expect your prompt attention and cooperation in resolving this matter. 

Thank you for your immediate attention to this request. 

Sincerely, 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 2024-04-09 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: GA

Complaint narrative:
I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) and formally request the immediate removal of charged-off accounts from my credit report. The presence of these accounts not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that consumer credit information reported by credit reporting agencies must be accurate, relevant, and timely. However, the charged-off accounts listed below fail to meet these standards and must be removed without delay : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. Balance : {$1800.00} ( as of XX/XX/XXXX ) Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXX. Balance : {$1600.00} ( as of XX/XX/XXXX ) Account Name : XXXX XXXX Account Number : XXXX. Date Opened : XX/XX/XXXX Status : Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. Balance : {$2400.00} ( as of XX/XX/XXXX ) Furthermore, I have never received a 1099-C Form related to any of the alleged debts. It has come to my attention that these companies have utilized the debts as tax write-offs without providing proper notification, which further exacerbates the inaccuracies on my credit report. 

Per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action to enforce my rights under the FCRA. I expect your prompt attention and cooperation in resolving this matter. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: AR

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
" If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collectar must cease all communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am contacting you about an issue with Synchrony Bank holding onto my money for over six months. I transferred funds from my bank account to my PayPal account, but the funds have not been stored in PayPal. PayPal has been depositing my funds without my authorization to Synchrony Bank. Neither Synchrony Bank nor PayPal notified me that I had become a client of Synchrony Bank or disclosed any account information. I only discovered that I am a client of Synchrony Bank after receiving an email from Claim department of PayPal " This email was sent by PayPal on behalf of Synchrony Bank to provide important account servicing information regarding your Synchrony Bank account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your Synchrony Bank account. Synchrony Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, USA '' . I even don't know the number of my account. 

On XX/XX/XXXX, I transferred {$930.00} from my PayPal account to my daughter 's PayPal account. PayPal Transaction ID XXXX. Synchrony Bank notified me through PayPal that my daughter would receive the money on XX/XX/XXXX ( see attachment ). However, more than six months have passed and my daughter has yet to receive the {$930.00}. 

I filed a dispute in the Resolution Center of PayPal, case number XXXX . I sent the claim to Synchrony Bank. On XX/XX/XXXX, I also filed a complaint with the XXXX, case number XXXX. However, I have not received a response to either. 

I am requesting Synchrony Bank to either refund the money to my PayPal account or transfer it to my daughter 's PayPal account

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