vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: SC

Complaint narrative:
XXXX payments took a XXXX fraudulent charge out of my bank and a XXXX charge. I got a police report, I filled out an affidavit, I've been in touch with a branch manager who is kind to me but no one seems to be able to put this money back in my account. I have 0 liability for fraud.I 've stated it's fraud in sworn affidavit and turned in a police report. FNB XXXX has been my bank for years. I don't know why they are doing this to me. I am diagnosed XXXX and I have a XXXX XXXX and we are facinig homelessness in XXXX if they don't do a simple chargeback required by visa policy and backed up by sworn and notorized affidavit and police report.Please compel them to simply issue the chargeback.It is VISAS policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
Since XXXX i have held a chase account and was a loyal customer to this business however in XX/XX/XXXX i became a victim of identity theft. My wallet was stolen from me and inside of that wallet held a-lot of important information and merchandise to me including my bank cards and information that pertained to my account, once realizing this unfortunate situation i contacted all avenues to try to prevent any further misfortunes however when it came to communicating the situation with Chase Bank they would not close the account due to activity still pending on the account. In knowing that account was compromised i no longer utilized it and was awaiting them to complete their investigation with hopes that it would result in my account being closed ; However, that was not the case, my account was left open for the person or persons to do fraudulent activity on my account incur fees, make charges and claims that i was unaware of due to believing my account was closed out, due to the investigation in fact verifying it was a compromised and no longer safe account. Prior to this ordeal i filed XXXX taxes and provided the XXXX XXXX with my XXXX XXXX information, my taxes was not processed and paid to me until XX/XX/XXXX and XXXX XXXX unknowing of the situation deposited my check into this compromised account even after they attempted to deposit the first time and it got rejected they forced a deposit again and Chase Bank accepted the deposit causing all of my income taxes to be seized and used to cover an outstanding balance on an account i was a victim of theft on leaving me without anything for survival

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind this information be reported to a credit reporting agencies ; nor was I given the opportunity to deny. Again, I have the right to privacy, and what goes on my credit report. Please update all information to reflect paid as agreed and refrain from any such actions in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NC

Complaint narrative:
I have submitted two requests in XX/XX/XXXXXXXX XXXX  to request a new IDR plan, the standard plan. Both times I have called I have been told the requests were received and I would receive an email response of the status. I have not received an email of the status. Both times I have called I have been told it is pending and that it is just taking time to process. The second time I called in XX/XX/XXXX- they placed me in Administrative forbearance. It is now XX/XX/XXXX and I still have not received an update as to my IDR plan request and interest is still accruing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I called last Thursday on the XXXX to cancel a payment when I realized funds would not arrive in my bank account for a payment on the XXXX. It's the XXXX and the payment was taken out including XXXX XXXX that was transferred into there for dog food and groceries to last until the rest of the week. That payment is pending and they wouldn't cancel it. I specifically called to cancel it days before and they verified that I wanted it cancelled and then told me it was cancelled. Now it's days later and they made it go through pending without the funds in there despite the cancellation. Plus it took the funds for food and dog food I had {$50.00} transfered into my account for the week. I called back and they won't do anything but apologize.

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 monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Uplift, Inc
State: IL

Complaint narrative:
I went to look on my credit report and that is when I found out I had it, I have never used uplift, and XXXX dollars bill, I have requested paperwork and anything that shows I signed anything I dont have any charges on my bank statement I dont have any record of this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: CT

Complaint narrative:
I have contacted all parties ( credit card and credit bureaus ) multiple times that these accounts are not mine. The XXXX accounts don't even have my correct address attached to them. 

XXXX XXXX XXXX has had a similar issue reported to the Supreme court in a lawsuit lawsuit against XXXX defendant banking and debt-collection institutions on XX/XX/, alleging that each defendant reported inaccurate and derogatory information related to her credit card account and failed to correct their errors after receiving notice of plaintiff 's disputes from the credit reporting agencies, all in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 et seq. See generally 1st Am. Compl., ECF No. 35. XXXX XXXX XXXX XXXX. 

I too am a victim of fraudulent accounts not being removed from my credit report. I have attached my identity theft report here as well as the civil action lawsuit against the company. These are accounts are not mine need to be removed IMMEDIATELY. The credit bureaus and credit card company is in violation of 15 US Code S 1681-c2. It has been more than 30 days and you are in violation of this law because I am a victim of identity theft. Please remove these accounts immediately from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
so- this is also a follow up on previous complaint for mohela. The attorney general received a letter from a lawyer on XX/XX/XXXX who stated that my request for refund was processed on XX/XX/XXXX and gave amount of XXXX as a refund amount from 30- 60 days although the letter was dated after the 60 days. ( see documents ) A month later you received a letter from Mohela stating that they were still trying to figure out amount I am actually owed which makes no sense seeing they already decided they were keeping the XXXX even though they were also payments made during the pandemic and applied them to loans that were not yet due. 

to this date, over 120 days PAST the processing date of XX/XX/XXXX, I have received XXXX money in regards to this. Someone is not doing their job and I am suffering due to this. 

I need this resolved as I am paying interest to the dept of health and human services and this is very unfair to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: NV

Complaint narrative:
I am writing to express my concern regarding the ongoing communication I have been receiving from the company in relation to an alleged debt. I have previously requested proof of a contractual agreement within the allowable time frame, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Unfortunately, I have not received any response to my request for validation of the debt, and this lack of communication is concerning. As a responsible consumer, I followed the appropriate steps by reaching out for proof of the contractual agreement, but the silence from there end has left me in a state of uncertainty. 

In light of the lack of response and to safeguard my rights under the FDCPA, I subsequently sent a Cease and Desist letter requesting that all communications regarding this debt cease immediately. Despite this formal request, I continue to receive mail from the company, asserting that I owe money and attempting to collect the debt. 

I want to bring this matter to your attention in the hope that we can resolve it amicably. I remain committed to addressing any valid debts I may owe, but I need proper documentation and clarification to move forward. The continued receipt of communication despite my Cease and Desist letter is not only a violation of the FDCPA but also an inconvenience. 

I kindly request that you review my case and provide the necessary proof of the contractual agreement or cease any further attempts to collect the alleged debt. Your cooperation in resolving this matter promptly would be greatly appreciated. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I came to an agreed offer that was to be paid in order to close the negative account with " national credit adjusters , LLC ( original lender XXXX XXXX  ''. I made two payments, one on XX/XX/XXXX and the other on XX/XX/XXXX, rendering the account paid in full. However, when my credit report became available, XXXX reported that I still owed a balance, thus affecting my credit negatively. I have the reference number with halsted financial services which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have been using cashapp for over 2 years. The last year receiving my direct deposits thru cashapp. I am trying to withdraw my remaining amount of currency from my cashapp account to my checking account and cashapp is refusing to release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
During XX/XX/year> I finally complained about JPMorgan Chase and requested proof the debt belonged to me. I asked for a copy of the contract with my wet signature. I never received it. Since that time the JP Morgan Chase has sort to sue me for something I have asked clarity on. They sent letter showing statements with my name and address, that does not prove debt is mine. As I have had mobile bills come to my address with my name and they were not from the carrier I do business with. So I am understanding that this is not proof of debt. I have been finding other inconveniences from having my information used without my consent so I asked for proof of debt not to be sued because I am looking for clarity from a big business claiming to have charged off this debt and now bullying me to pay.

Company response to consumer: Closed with explanation