vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/2023, I received a letter from Mohela stating my federal student loans have been forgiven 100 %. The forgiveness letter states it is retroactive to XX/XX/2023. 
I have requested information about when it would be reported to the credit bureaus every month since. 
After the first of the month, since XXXX, I am given different information from Mohela. In XXXX I was told the credit bureaus would be notified after XX/XX/XXXX. In XXXX, I was told the credit bureaus would be notified within 60 days. In XXXX, I was told the credit bureaus would be notified after 90 days. In XXXX, I was told the credit bureaus would notified after 90 days and that my balance wasn't updated in their system until XX/XX/2023. This is completely contrary to the letter I have on filed dated XX/XX/2023. 
I am filing a complaint against Mohela for not updating the credit bureaus in the change of the balance owed to Mohela and my federal student loans. 
For inconsistent information and an incorrect date on file. I have spoken to them numerous times and they refuse to transfer me to a supervisor or provide an explanation in the difference in the changes of the dates or length of times to report to the credit bureaus. 
I want consistency and to know why it hasn't been reported to the credit bureaus yet. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was a victim of account takeover fraud, once I realized what happened I immediately called USAA on XXXX, the dispute was opened, and investigation began. On XX/XX/ a provisional credit was issued in the amounts of {$2500.00} and {$1900.00}. 
USAA failed to promptly provide written disclosures to the consumer summarizing the consumers liability for unauthorized EFT 's, failed to provide means to identify the consumer to whom the access devise was issued, failed to provide the telephone number and address for reporting that an unauthorized EFT has been made. 
Per the EFT Act, the financial institution was notified 1 day after the unauthorized electronic transfer and a representative from USAA identified that the device that was used to complete this unauthorized EFT was in fact an android phone, which they were also able to see that the consumer who holds the account at USAA is not an android user. 
The consumer also filed an FTC report for identity theft as another precaution. USAA has refused to take responsibility for the account takeover fraud and has deemed the consumer liable for the unauthorized ETF. The consumer has done business with USAA in good faith for over 12 years. The consumer has been harmed by losing faith in the financial institution put in place to protect their nonpublic personal information and their money. 
The EFT Act protects consumers from situations like this under Section 205.6 Consumer Liability & Error Resolution. It states that the extent of the consumers liability is determined solely by the consumers promptness in notifying the financial institution. Other factors may not be used as a basis to hold consumers liable.

USAA is holding the consumer liable for {$1900.00}. The reversal of the provisional credit has placed the consumers account in the negative and has put the consumer in a vulnerable state. I am in great turmoil and now Im in a financial crisis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I made a mistake when filing a dispute to remove my hard inquiries there is a XXXX XXXX credit card with a credit limit for {$6600.00} that I mistakenly had removed I would like to be replaced please credit line was added to my credit report in 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I made a mistake when filing a dispute to remove my hard inquiries there is a XXXX XXXXXXXX credit card with a credit limit for {$6600.00} that I mistakenly had removed I would like to be replaced please credit line was added to my credit report in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX XXXX ) ( XXXX XXXX  # XXXX ) has violated my rights! Also i want these inquiries removed from my report that were not authorized ( XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion ) and o feel my rights are being taken advantage of. 


15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
This company is stating I owe {$120.00} times two on a membership that was previously canceled on the mail by letter as suggested from XXXX XXXX. There were two memberships under my account XXXX XXXX ( me ) and XXXX XXXX ( my father ). I received letters for both memberships that were canceled. The gym switched names and ownership but I canceled prior I have an email showing I reached out to the gym. This fee shows no break down of what I wouldve owed or when I stopped paying my membership. This facility has changed names so many times and been know for doing this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: AZ

Complaint narrative:
my original debt was with XXXX XXXX. debt was purchased by jefferson capital. i settled and paid jefferson capital over XXXX i opened a checking account with XXXX  checking after doing so jefferson capital contacted me again with the same debt. i spoke with jefferson capital and they hardly speak english and are telling me to pay the XXXX. 
1account then a second account. On the 2nd go around they had my name spelled incorrectly. see attached of my passport and notice from jefferson capital

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2017, I worked with a company to help pay off large credit card debt. For over 5 years, I worked with this company, paying $ XXXX  monthly into an escrow account as they worked to resolve my debt with XXXXXXXX XXXX XXXX XXXXXXXX, and Chase. It was difficult to send this money monthly as my credit score plunged to XXXX, and I stopped using all my cards and accounts. I wanted to avoid bankruptcy. However, after time, I was able to settle with XXXX and XXXX. But Chase would not settle. They would not work with the debt relief company. The California statute of limitations had run out when they could take me to court, so I ended my relationship with the credit relief company and moved on. Since I paid off two credit card debts, my credit score rose to XXXX. However, after doing nothing since 2017 to my credit report, out of the blue, Chase reported an L for the second time in almost 6 years on my account to the credit reporting system. Over time, my credit rating dropped XXXX points, and I'm now down in the low XXXX with a fair credit rating. It has destroyed all my hard work and seriously hurt my credit. Again, Chase WOULD NOT work with my credit relief company and then did this. It is a malicious move designed to hurt my credit and ruin my hard work and the future of all that I can do with lenders. When I reported it to XXXX, they contacted Chase, who added Ls to all the months since 2017, hurting me even more. 
Why did they wait, and why did they do this other than to destroy my credit history and standing? My life is a living nightmare because my score keeps dropping, and lenders won't work with me or give me loans even though I have paid rent for over 10 years at my current address, other debts, credit cards, etc. This tactic is highly egregious and should be investigated and stopped by companies like Chase. Again, they refused to work with me to resolve the debt, attacked me personally, and erased my hard work with credit for their own benefit. WRONG! There should be protections from companies like Chase and these tactics. Hard-working Americans like myself with family to support should not be attacked by multinational multimillion-dollar companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please review the documents enclosed. I want the bureau to start investigating these accounts that erroneously label me as late, despite my punctual payments.

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 2023-12-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; 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 explanation
Consumer complaint received 2023-12-06 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest. 

Sincerely, XXXX XXXX XXXX This updated letter includes the additional law you provided, reinforcing your dispute based on relevant statutes.

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 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX Address : XXXX XXXX, XXXX, Texas Date : XX/XX/XXXX Subject : Complaint Regarding Refusal of Refund for a Fraudulent XXXX Transaction by Chase Bank Dear XXXX , I am writing to file a formal complaint against Chase Bank for their refusal to refund a fraudulent transaction that occurred via XXXX on XX/XX/XXXX. I believe this refusal is inconsistent with recent policies adopted by banks under pressure from lawmakers and the CFPB regarding reimbursements to victims of imposter scams. 

Incident Details : Date and Time of Incident : XX/XX/XXXX, at approximately XXXX XXXX Description of Fraud : An individual impersonating a known friend and coworker, XXXX XXXX, contacted me through XXXX XXXX, requesting a short-term loan of {$200.00} to be sent via XXXX to an email address ( XXXX ). Believing the request to be genuine, I transferred the amount. 
Immediate Action : Upon realization of the fraud, I immediately contacted Chase to report the incident and request a reversal of the transaction. However, Chase declined my request, stating that they could not reverse transactions made through XXXX. 

Basis of Complaint : As per the article referenced ( XXXX, [ date of article ] ), it was reported that banks participating in the XXXX payments app, including JPMorgan Chase, had begun to relent in their refusal to pay back victims of imposter scams. This change in policy was a response to legislative pressure and the involvement of the CFPB. It was highlighted that the Federal Trade Commission identified imposter scams as the most reported fraud category across all payment types in XXXX. 

Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX, the operator of XXXX, has implemented mechanisms for banks to claw back funds from recipients accounts to reimburse victims. These measures were taken as part of a broader policy to combat fraudulent activities and protect consumers. 

Request for Resolution : Given these developments, I respectfully request that the CFPB intervene in this matter to ensure that Chase Bank adheres to the evolving standards and policies regarding the protection of consumers from fraudulent transactions, especially those involving XXXX. I am seeking a full refund of the {$200.00} fraudulently taken from my account. 

Your prompt attention to this matter would be greatly appreciated. I am prepared to provide any additional information or documentation as required. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-12-06 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest. 

Sincerely, XXXX XXXX XXXX This updated letter includes the additional law you provided, reinforcing your dispute based on relevant statutes.

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 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Venmo did permanently limit my account on XXXX of XX/XX/ with the promise to release my funds 120 days later. however they keep my account locked! I can not add a new bank account to withdraw my funds. Venmo does not reply to my emails! it looks like they just fool people keep them waiting and hope that they forget about their funds! Venmo owes me {$1500.00} and I want my money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX  I called Capital One Visa regarding an upcoming invoice. On that invoice I was being charged for an item I had returned and for which Capital One had already received the funds returned by the store but after the invoice had been issued. I requested that the amount be removed from the invoice since they already had the money, something other credit card institutions do regularly. I was told it wasn't possible and that even though the amount had been returned and credited to my account, I would have to pay the invoice in full or be charged interest. A customer service supervisor who identified himself as XXXX ID # XXXX insisted that was part of the terms and conditions I had agreed to, but after being put on hold several times over nearly an hour while he searched and consulted others he admitted that there was nothing in those terms stating a credited amount could not be deducted from the bill, but that it was unwritten " policy ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Companys have failed to to remove all negative accounts on credit report after receiving official notice and deleting items in 4 days as stated in title 15 usc 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
The loan Company ( Affirm ) sided with the merchant claiming that the company followed all of their return policies. Therefore, out of XXXX, I am responsible for the portion of the loan that the merchant deemed to be restocking fee on the entire loan which included shipping, warranty, & etc.

Company response to consumer: Closed with explanation