vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on in my consumer report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX BANK SS XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT XXXX, XXXX, AND EXPERIAN HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
My husband passed away in XXXX of this year. I went into the XXXX, Tennessee branch with my ID, his death certificate, our marriage certificate, and my birth certificate to prove my identity. I told them he had passed away and needed to close the account. They advised me that since I was not listed on the account, this request could not be processed, and they placed a block on his account. They have since depleted his checking account balance by charging monthly fees. This is their way of stealing the little money he had left. It should be illegal for them to do this. I went to the bank two times before this and changed his debit card and PIN. They never even ID me or blinked an eye that I wasn't on the account. Death is trauma alone ; I shouldn't have to be doing this to close an account. They shouldn't manipulate their clients by charging fees, so they don't have to give up the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MA

Complaint narrative:
I came out of XXXX XXXXXXXX  in XXXX with approximately $ XXXX in XXXX and XXXX XXXX  debt. I worked hard to consolidate my loans to make my payments management. My best option was a consolidated FFELP loan with AES XXXX which provided a manageable monthly payment. I've paid my loan regularly and am now down to approximately {$33000.00} left. I was pleased to hear about the loan forgiveness offered by President Biden. However, through research, EVEN THOUGH THE CONSOLIDATED LOANS ARE FEDERAL STUDENT LOANS, I learned that the {$10000.00} forgiveness is NOT going to apply to my loan because it's privately serviced. I did the right thing to handle my finances but am being left out of a valuable program. This needs to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT XXXX, TRANSUNION, AND XXXX HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT EQUIFAX, XXXX, AND XXXX HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
So back in XXXX, XXXX my business XXXX XXXX XXXX XXXX had a XXXX XXXX XXXX credit card with a business EIN number. My account was thrown into probate because XXXX XXXX XXXX somehow had my EIN associated with a deceased gentleman 's social security number. Took me till XXXX to fight this and get my account back in which I refused to pay the bill until it was removed from this gentleman 's probate. This in turn sent my account to collections but was paid off on XXXX and account was closed. So why is my business Equifax credit file showing a charge off? No one seems to be able to explain that. This has been preventing me from acquiring business loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The company above reported a late payment for XX/XX/2020. I have requested a history of payments for my review and have yet to receive it. I have disputed this inaccuracy with XXXX XXXX, XXXX, and XXXX with no success. 

According to FCRA laws, I have the right to ask for a fair investigation and have not received one and that is why I am submitting an formal complaint. I want the late payment from XX/XX/2020 to be removed from all three credit reports.

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 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
To Whom It May Concern : I have been with American Express for 26 years. I had to leave the country to take care of my father who had passed away and in the interim I had to deal with two other deaths in two months apart all of them. 
I could not make the payments from overseas. 
American Express started to give me a hard time in 2021 and I tried really hard to make the payments to American Express. They were very rapid at closing my accounts and not giving me access to their website to make payments. They sent me to collections immediately and had three different places trying to collect the payments. One was from American Express and two different law firms. I tried to call American Express and they refused to talk to me and said the accounts have been closed that I should refer to the law firms. I tried really hard calling multiple times calling the law firms in which they didn't know what accounts they were collecting from and for what amounts. In addition what was the APR. I looked up their background and they had a very poor rating. Soon after I left messages for these firms I started to get texts to click on links and also get fraudulent emails. They were trying to hack me according to XXXX. This was very concerning and I said to American Express that they were the only company that didn't allow me to pay them directly or allow payment. This continued for months to the point where I sent an email to the CEO of American Express in which I had a correspondence and he said he was going to look into what was happening. I never heard back from anyone. I did a follow up and then a different person answered saying that I should deal with other law firms. Because of the amount of time they allowed to transpire they have hurt my credit and my XXXX score. They have charged off my accounts and hurt me drastically since my longest standing record was with American Express. Up until now they continue to delegate fraud and collect money and not show any balances because I have XXXX access to American Express. It all has caused stress, XXXX, physical health and time away from work. I hope someone could help me. P.S. I would rather not attach the email from the CEO but I will provide it privately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX, Transunion, and XXXX continue to report fraudulent information on my report and deny me my rights as a consumer. 

See 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 non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, and Equifax continue to report fraudulent information on my report and deny me my rights as a consumer. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting the account type wrong. 

They are reporting the account type as a collection when it is supposed to be medical debt Collection is a condition or a status, not account type I verified this by looking at XXXX own glossary! 

They are breaking the law again!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting the account type wrong. 

They are reporting the account type as a collection when it is supposed to be medical debt Collection is a condition or a status, not account type I verified this by looking at Experians own glossary! 

They are breaking the law again!

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 2022-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
This is a workers compensation case when I got hurt on the job. I have hired a lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to represent me on my workers compensation case.. This is a bill from the emergency room on XX/XX/2022. I am waiting for a hearing date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
DISCOVER BANK keeps to to collect and report information on a fraudulent account. 

See Attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is reporting late Federal Student Loan on all XXXX, Equifax and XXXX. On XX/XX/XXXX and XX/XX/XXXX they reported late amounts of {$11000.00}, {$10000.00}, {$9200.00}, {$5400.00} and {$1800.00}. During the student loan pause, these balances are supposed to be reported as current. This dropped my scores more the. XXXX and Equifax more then XXXX and XXXX by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On or about XX/XX/2022 XXXX XXXX ( @ XXXX ), my electrician, sent me a {$300.00} transfer ( credit ) and a {$400.00} transfer ( credit ). He immediately sent me a text message stating, Hey decline any money I sent you I have been hacked. I responded by saying, Will do and I returned or declined the transfers. I followed up with him on XX/XX/2022 and asked, Did all of the money that was sent to me in error get sent back to you? and he responded, Yes thanks. 

At some point after the XX/XX/2022 communication, Venmo locked my account stating they needed a copy of my drivers license. I subsequently logged into my account and uploaded pictures of the front and back of my Ohio drivers license. Then, my account showed a - {$690.00} balance and theres a request to restore my account. 

It appears to me that Venmo debited my account the {$700.00} that my electrician claimed as fraud. There's nobody at Venmo that seems to be interested in helping me resolve this issue. I've had several email exchanges with them and the only response I get is that these issues are handled by a different department. I called in last week and spoke to a woman that gave me the same response but she did say she would forward my information onto the correct department. At this point, I've heard nothing from anyone. 

I would appreciated the CFPB 's assistance in straightening this issue out. I have tried on my own and I can't get Venmo to at least have a conversation to discuss the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion credit reporting agency has deliberately furnished a fraudulent account ( XXXX XXXX ) on my credit report. This account has negatively affected me as a consumer by not allowing me to obtain any extensions on credit to obtain a vehicle of my own. I have provided an FTC report, court case documents, and a consumer statement by mail and Transunion has still chosen to behave in a negligent and fraudulent manner. This is a violation of 15 USC 1681b, none of the information that is being furnished is being reported in a lawful manner. I have attempted 3 times to get this information removed and provided supporting documentation every time.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The company above reported a late payment for XX/XX/2020. I have requested a history of payments for my review and have yet to receive it. I have disputed this inaccuracy with XXXX, XXXX, Equifax, and XXXX with no success. 

According to FCRA laws, I have the right to ask for a fair investigation and have not received one and that is why I am submitting an formal complaint. I want the late payment from XX/XX/2020 to be removed from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The company above reported a late payment for XXXX 2020. I have requested a history of payments for my review and have yet to receive it. I have disputed this inaccuracy with XXXX Transunion, XXXX, and XXXX with no success. 

According to FCRA laws, I have the right to ask for a fair investigation and have not received one and that is why I am submitting an formal complaint. I want the late payment from XX/XX/2020 to be removed from all three credit reports.

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 2022-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
On XXXX XXXX XXXX, the branch manager of Mariner Finance called me inquiring about a suspicious check deposited on XX/XX/2022 allegedly by myself. I have no knowledge about the deposited check or the account that was automatically created by the deposit check. Apparently, my information has been stolen and used fraudulently to create this account. I have not been burglarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I requested for the company to send me the method of verification used to determine the accuracy of my consumer report but up to this day, I still have not gotten the information as yet. I wish to clarify and personally investigate some issues with my credit but this company refuses to cooperate with and I have been informed that this is a violation of the FCRA laws. I want to file a complaint as my first step in taking legal actions should they continue ignoring my request.

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 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A couple sold us two kittens. XXXX XXXX XXXX company was supposed to deliver them. The whole operation is fraudulent. They gave confirmation of order, documents, tracking number and way to check on their site, XXXX https : XXXX Chase has now informed me the accounts have security and fraud flags - but still allow people to send money. Why? If you've been caught or under review why aren't XXXX services paused for those accounts and any money that's pending held? I don't get why they'd continue to allow fraudulent accounts to remain on their platform and use their services if they've known that there's an issue. 

Kittens : {$400.00} ( 2 payments of {$200.00} ) Shipping ( additional cost ) : {$300.00} ( they demanded {$850.00} to rent a specific carrier for the kittens to be sent in- which they promised to refund- have not delivered kittens and they have not refunded ) Other contacts they provided that are part of the operation were : They referred to themselves as " XXXX  XXXX 's '' and on the documentation for transport it says " signed by XXXX XXXX '' but these are the names they had in email and requested XXXX sent to : XXXX XXXX XXXX XXXX XXXX XXXX ( also XXXX account ) XXXX : Name : XXXX XXXX email : XXXX Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX email : XXXX ( XXXX for XXXX XXXX  ) XXXX  : Name : XXXX XXXX XXXX XXXX XXXX  XXXX Tracking code : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation