vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: AZ

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or XXXX15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit 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 non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA
State: CA

Complaint narrative:
XXXX  claims that my federally held student loans were changed to privately held loans and I inquired to see how I was notified about this and there was no response. I am a XXXX XXXX XXXX  and would have not agreed to switching to a privately held loan, as I would be seeking some of the XXXX. Navient has not provided this information and is showing many late payments during the COVID payment pause and stating I was not eligible, as my loans were privately held.

To date, they have not provided information to verify that I when I was informed my loans would be privately held, and if it was when I consolidated my student loans, they failed to disclose my public loans would become privately held by consolidation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I made a purchase on my JP Morgan Chase Freedom Flex on XX/XX/year> for {$360.00}. I made the transaction through XXXX for a United Airlines ticket. The Freedom Flex card has 5 % rotating bonus categories by quarter, and in XXXX ( XXXX ) XXXX is a bonus category ( extra 4 % in addition to base 1 % ). Chase has it coded in their system as a purchase made directly with United and has thus far refused to award me the 4 % extra points for this transaction. 

I've called Chase at least 5 times over the past month to try and figure out an amicable solution. They had told me to reach out to XXXX and have them recode the transaction. I called XXXX and they said since the transaction closed, Chase would have to recode on their end. I spoke with Chase again and they declined to help me recode the purchase and award me the bonus points for this transaction, encouraging me to reach out to XXXX again otherwise they can not make me whole. 

Looking online, it seems like a few other consumers who have used XXXX on a Chase transaction have also not received their bonus points as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: AZ

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit 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 2024-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: CA

Complaint narrative:
I received a disturbing letter in the mail stating that a company by the name of F.H Cann & Associates that they are ATTEMPTING to collect a debt, and they stated in the letter I had until XX/XX/year> to respond which was impossible because the letter arrived through postal service XX/XX/XXXX XXXX after XXXX. 
Also I do not owe that debt I am a victim of identity theft and also was a victim of the XXXX data breach. 
I am requesting the original purchase agreement that shows you are the legal owner of this alleged debt. Please indicate all the terms and conditions that are included in this purchase agreement. 

And at this time I will inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute as fraud under both Federal and State Laws. Due to this fact, any negative mark found any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: AZ

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit 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 non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon checking my credit report I have recognized fraudulent accounts as well as inaccurate information that have been used with out my knowledge

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 2024-11-02 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: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These hard queries do not belong to me. I have not authorized them and they must be removed. This too, thank you. 
- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/year>, TD Bank closed my checking account and hold my money of {$9200.00}. I went to TD Bank Branch at XXXX NJ for 3 times, with waiting for 3 hours each time, but they refused to tell me the reason why closing my account and refused to give my money back. 

The story is more complex than this short summary. Please find more details in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: AZ

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit 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 non-monetary relief
Consumer complaint received 2024-11-03 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: VA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello, I recently noticed there is an error on my consumer report. The employment is incorrect. Please remove XXXX XXXX as it is incorrect. Thank you for your time in this important 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 non-monetary relief
Consumer complaint received 2024-11-03 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: MO

Complaint narrative:
EXPERIAN is reporting an account that should not be reporting on my credit report. The account that needs to be removed is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the immediate removal of this account within one day under the following statutes : 15 U.S. Code 6801 ( Gramm-Leach-Bliley Act - Protection of Nonpublic Personal Information ) : This law mandates that financial institutions safeguard consumer information. The presence of this fraudulent account reflects a failure to protect my personal information, leading to harm. 
15 U.S. Code 6802 ( Disclosures of Personal Information ) : This statute requires institutions to give consumers an option to opt-out before sharing personal data. The unauthorized reporting of this account without my consent violates this provision.

15 U.S. Code 6821 ( Prohibition on Obtaining Customer Information by False Pretenses ) : The creation or reporting of this account without my consent suggests that unauthorized access may have occurred, a violation under this code.

15 U.S. Code 1681 ( Fair Credit Reporting Act - FCRA ) : Under the FCRA, consumers have the right to dispute inaccurate or unverifiable information on their credit report. Despite providing clear evidence, the credit bureaus have refused to comply with this law. 
FCRA 605B ( Fraudulent Accounts ) : As per this section, once an identity theft report is submitted, credit bureaus are required to block and delete fraudulent information. I have met all required conditions, yet this account remains.

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 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX Dear Jefferson Capital System LLC, I am writing to dispute the recent collection activity on my account, referenced by XXXX. I am deeply concerned about the legality of this collection, and I request your immediate attention to this matter. 

Upon reviewing my records, I have not been provided with proper validation of the debt in question, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am entitled to receive verification of the debt, including the original creditor 's name, the amount owed, and the details of any transactions related to this debt. 

Additionally, I have not received any communication from your agency prior to this collection attempt. According to the FDCPA, debtors have the right to be informed about the debt and given an opportunity to dispute it before any collection activity begins. This lack of communication raises serious concerns about the legality of your collection efforts. 

I request that you cease all collection activities on this alleged debt until the necessary documentation and validation are provided to me. Failure to comply with this request will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any available legal remedies. 

Please respond in writing within [ 15 days from the date of this letter ] to address my concerns and provide the requested information. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: SC

Complaint narrative:
The following is a list of payments that I made on my credit card during the month of XX/XX/year> : XXXX {$300.00} XXXX {$300.00} XXXX {$1200.00} XXXX {$50.00} XXXX {$300.00} XXXX {$200.00} XXXX {$500.00} XXXX {$600.00} XXXX {$300.00} XXXX {$400.00} XXXX {$300.00} XXXX {$900.00} XXXX {$600.00} XXXX {$4300.00} TOTAL PAYMENTS OF {$10000.00}. 

After all of theses payments, US Bank reduced my credit limit from {$6000.00} to {$1600.00} with no explanation. I called and spoke with a representative, and she said the account had no reason listed for the credit line reduction. Furthermore, she stated that I could apply to have my credit limit increased. That does not logically make since, you reduce my credit limit on XXXX, then one day later on XXXX, you say I can apply to increase my limit. 

My account history with US Bank is EXCELLENT. I have no late payments, 30, 60, or 90 late payments. As a result, there is no reason for my credit limit should have been reduced. With a payment history that I have, my limit should only be increased.

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 2024-11-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a CD account with Wells Fargo 11 months ago. It was going to reach maturity in 10 days. Now theyve closed it for no reason and they did not contact me - I contacted them, and was told they can not give me information and to contact their fraud department, which is not currently open. This is absolutely ridiculous of them to do this 10 days before my account reaches maturity. I cant see the money anywhere in my bank - I cant access the statements, see any of the interest payments or the initial deposit. Luckily I found the letter they sent with my account number. Please contact me if the account number is needed, this is shameful of a huge bank to do this to someone. I had {$30000.00} in that CD not including all the interest. Please help me get my money back.

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 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Around XX/XX/XXXX, I created a SOFI Account. I used this account to accept money from my XXXX, which id either send to a XXXX  wallet or back into XXXX. I used this cardless account maybe 2 times per week. I noticed my account got suspended, but didn't think much of it so I left the account for a month or so. I come back to try to get my money out ( {$170.00} ), but was unable. I call their support at the provided number, and they tell me its in investigation and to wait for it in the mail. A year later, XX/XX/XXXX, and I've yet to receive any update/money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: VA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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:
XXXX XXXX  XXXX is illegally reporting late payment transactions on my Equifax credit report, which has negatively impacted my credit record. 
XXXX XXXX XXXX Account # XXXX Past due : 30 Days Date : XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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:
XXXX FRAUDULENT STUDENT LOANS OPENED USING A EMAIL ADDRESS AND PHYSICAL ADDRESS NOT MINE THEREFORE IT IS IDENTITY THEFT USING MY IDENTITY!! XXXX TOLD ME THIS AND REFUSES TO ACKNOWLEDGE MY IDENTITY WAS STOLEN AND TRYING TO COLLECT FRAUDULENT MONEY OFF OF XXXX SEPARATE STUDENT LOANS!!

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 2024-11-02 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:
XXXX FRAUDULENT STUDENT LOANS OPENED USING A EMAIL ADDRESS AND PHYSICAL ADDRESS NOT MINE THEREFORE IT IS IDENTITY THEFT USING MY IDENTITY!! XXXX TOLD ME THIS AND REFUSES TO ACKNOWLEDGE MY IDENTITY WAS STOLEN AND TRYING TO COLLECT FRAUDULENT MONEY OFF OF XXXX SEPARATE STUDENT LOANS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: CA

Complaint narrative:
XXXX FRAUDULENT STUDENT LOANS OPENED USING A EMAIL ADDRESS AND PHYSICAL ADDRESS NOT MINE THEREFORE IT IS IDENTITY THEFT USING MY IDENTITY!! XXXX TOLD ME THIS AND REFUSES TO ACKNOWLEDGE MY IDENTITY WAS STOLEN AND TRYING TO COLLECT FRAUDULENT MONEY OFF OF XXXX SEPARATE STUDENT LOANS!!

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 2024-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I hired some movers outside of XXXX XXXX to help me move out of an old address to a new one that wasnt too far from the old one. 
Location is XXXX XXXXXXXX XXXX Ca XXXX 
I have a personal phone work phone and XXXX. In the midst of us moving my stuff around, my XXXX was tooken from one of them while I was not looking and I did not notice until a few days later after the job was done. But I had them working for me for about 3 days so when I asked if they seen it they said no. Then I figured out how to do the find my location on there and traced it back to a dump in an alley not too far from where the XXXX XXXX was. My cashapp was used multiple times to send money and transfer money. Without my consent. 
Cashapp refuses to help me get my money back or give me a refund. Its not fare to me especially in the time of the holiday season

Company response to consumer: Closed with explanation