vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: CA

Complaint narrative:
PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT THESE INQUIRIES ARE NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-02-13 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: CA

Complaint narrative:
PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT THESE INQUIRIES ARE NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding an issue I am experiencing with Chase Bank . On XX/XX/2024, I deposited a check into my Chase checking account from XXXX XXXX  XXXX, issued by my client. The check was for {$61000.00}. 

However, to my dismay, Chase Bank has placed a hold on the check, despite the fact that XXXX XXXX XXXX, the issuer 's bank, has already verified the check with the issuer and released it from their end. Chase Bank has requested a phone number associated with the account that they have on record. Unfortunately, the phone number that the check issuer is not currently using same phone number. So they updated their contact number on their XXXX XXXX XXXXXXXX system. However, Chase is telling me the number they have is not XXXX XXXX XXXX has. And they are not willing to contact XXXX XXXX XXXX or bringing the check issuer to the chase branch to verify herself. By the way, this check was 3rd time I recieved from same check issuer with same XXXX XXXXXXXX XXXX with same account number and routing number and Chase is holding only the last check I recieved which is check amount {$61000.00}. 

I have made numerous attempts to resolve this issue by providing alternative methods of verification, including providing identification and other account details, but Chase Bank has refused to accept any other form of verification and continues to hold the funds without providing a clear explanation. 

I find it highly concerning and frustrating that Chase Bank is withholding my funds despite verification from the issuer 's bank and their refusal to explore other methods of verification. This has caused undue financial strain and inconvenience for me. Not only holding the check now Chase restricted my entire business account so I can not do any activities with my account including spending and receiving. 

I kindly request that Chase Bank promptly release the hold on my funds and process the deposit in a timely manner. I also request a formal investigation into this matter to prevent similar issues from occurring in the future. 

I expect a prompt and satisfactory resolution to this matter. If necessary, I am prepared to escalate this complaint to higher authorities and regulatory bodies. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: Rent Recovery Solutions
State: GA

Complaint narrative:
I am unable to get a bank account and put certain things in my name. I think I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2024-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
I checked my credit report & noticed XXXX XXXX XXXX debt collection in the amount of XXXX, I have never lived there nor XXXX XXXX XXXX. I have been identity theft & want to report Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My wife and I have Parent Plus loans for our children. This past XXXX, I was inquiring about the SAVE plan to get lowest payments. We asked very detailed and pointed questions and they said to consolidate all the loans. I did as they said but then found out about the Double Consolidation method to have Parent Plus loans be able to get on lower IDR Plan, instead of ICR Plan. Based on my calculations, the IDR plan would cost about XXXX XXXXXXXX or so as opposed to XXXX XXXX, currently. They are supposed to provide advice as it is very hard to figure out all the steps needed. I was misled and need to re-consolidate so i get the IDR through double-consolidation.

My issue is that college bound children are limited by FAFSA loans. The bulk is taken up by the parents so we should be eligible for IDR, under SAVE. That would only be fair as parents do not have financially feasible options with price of colleges, as I sent my kids to all state colleges. Plus, the calculations for ICR do not make sense, with the poverty level calculations as the middle class feels the financial hit.

What can you do to help so that I can consolidate the Parent Plus loans so that I can pay my monthly fee and not default due to high fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-02-13 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying at home for my family. please remove these 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 2024-02-13 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: NJ

Complaint narrative:
They gave me the hard date XX/XX/XXXX vs soft date XX/XX/XXXX XXXX recertified. However the XXXX website states my anniversary is XX/XX/XXXX. On that site it states The earliest you could be required to recertify is XX/XX/XXXX. 

On your account XXXX XXXX page, you XXXX still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. 

If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. 

I have physical notices from MOHELA telling me I need to recertify by XX/XX/XXXX, and the XXXX website says my XXXX anniversary date is XXXX, and that XXXX is " the date when your IDR amount resets based on your recertification. 
How can I be forced to submit docs by XX/XX/XXXX, with my XXXX amount resetting, based on my recertification, on XXXX, and yet MOHELA calls those " soft dates '' and XX/XX/XXXX the " hard date. '' It looks like XX/XX/XXXX is the due date of when payment is due not recertification date. 

They define the hard date as the first day you would pay into your now-recertified plan if you submitted recertification docs on time. So for me, because I pay on the XXXX of the month, my " hard date '' is XX/XX/XXXX. 

I explained that's it a conflict with XXXX website, because the XXXX website doesn't say something like " you won't be forced to recertify if the first date you'd make a payment on a new recertification falls before XX/XX/XXXX as i stated above. '' It says its based on when we need to recertify. 

This conflicting and stressful to be transferred to Mohela. This issue needs to be rectified asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TN

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-13 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: TN

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-13 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: TN

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my 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 2024-02-13 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: IL

Complaint narrative:
They have not provided detailed explanations for why these accounts were marked as Late and Derogatory. I am extremely dissatisfied with the outcome of their investigation and validation. I am unsure of the methods and processes they used to arrive at these inaccurate results. How is it possible that I received a 90-day late mark when there are no records of 30-60 days past due? It seems to have jumped straight to 90 days. 

Furthermore, these issues occurred during the pandemic when systems were frequently down, and there were limited options for making payment transactions. Despite the challenges I've faced, I have diligently kept everything up to date and fully paid. It is unjust and unacceptable that they refuse to correct and update their records despite my numerous letters requesting them to rectify these errors. 

Hear me out, and help me update these to current or just delete these errors on my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED/XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # : 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 2024-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld system inc is violating my rights I dont have a contract with this company I have no idea who they are please send my wet signature on any documents that u have stating TRANSWORLD SYSTEM INC XXXX XXXX XXXX XXXX HAVE AND AGREEMENT TOGETHER CFPB I ASK THAT YOU LOOK AT THIS SITUATION VERY CLOSELY you are here to protect us from these type of practices thank in advance. I have file a FTC REPORT AND A REPORT WITH THE XXXX IF ITS NOT REMOVED I WILL SUE TRANSWORLD SYSTEM INC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: Nelnet, Inc.
State: GA

Complaint narrative:
For the last several months I have spent time speaking with all XXXX credit agencies. XXXX and XXXX. Upon speaking with them i was asking for my credit report be updated from years of no reporting from different companies. 

After speaking with these agencies, I was informed they could not do any updating, they would have to receive a report from the vendor submitting an update such as accounts closed and paid off. They have 30 days to update my credit file. 

I was informed that it does show my accounts was paid in full and closed, however there has not being any reports to the credit agencies in years and they don't fill they have to since the account is closed and paid in full. I have spoken with the companies many times asking for help only to no end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
I opened a card with Jetblue and every month whenever I make a payment, I am charged interest fees over XXXX XXXX XXXX I contacted Jetblue, and they claim they can do nothing as this is how they make their money charging high interest rates of 29.99 % for transactions.

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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Incorrect Personal information is being reported by the credit reporting companies

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 2024-02-13 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: TX

Complaint narrative:
Incorrect Personal information is being reported by the credit reporting companies

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 2024-02-13 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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