vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: FL

Complaint narrative:
These listed items are entirely incorrect and must be rectified. I am aware that the law requires you to complete your investigation within thirty days. I look forward to your response. These items are not accurate and are causing me both financial and emotional distress due to their negative impact. I am the person making this complaint & I give CFPB authority to investigate this claim. The following items should be removed : XXXX XXXX and XXXX XXXX. Please remove these fraudulent accounts ASAP.

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 2023-10-25 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 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 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I have not been able to access billing for my Pay Pal account with XXXX XXXX. I received a paper bill on my account yesterday. 

I attempted to sign in on internet and it says we are not able to confirm it is you. 

I almost fell over when I saw the balance was up to {$240.00}. So I called the number on the billing. I asked for the amounts charged and found three transactions totaling approximately {$50.00} at best. 

I asked for the fees to be removed and they went thru the approval system too get one for {$41.00} removed at that time I then asked for the customer service representative or a phone number to contact them. I was told they didnt have access to that. She stated I would have to call the bank So again I asked for contact information and she was not able to provide it. 

I told her that I believed these fees had been limited by a recent law. She then said I am not able to access that information. 

She then asked me for payment in full and I offered a {$50.00} payment. She accepted and it was processed. 

She then said if I paid the balance by XX/XX/XXXX there would not be any fees added. 

I told her I would be contacting consumer credit and will find out if this is a legal practice. To charge four times the balance in late fees. Then would make the payments if found to be wrong. 

{$41.00} dollars monthly on a {$50.00} charge for five months is absolute consumer XXXX. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. 
Below are the errors I have identified : MB FIN SVCS XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: SC

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
Consumer complaint received 2023-10-25 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
A debt collector sends a us mail letter dates from XXXX or XX/XX/XXXX through XXXX XXXX. We have been corresponding back and forth several times via us mail about getting debt validation and verfication done. I can not see alleged debt is mine unless they can verify the correct amount. This can only be proved by a statement or copy of record of my last payment towards this debt. History prior : The bank I was paying was using a third party collector and sending the money to the bank. In XX/XX/XXXX, this servicer abruptly told be that they terminated all accounts with bank, and no records could I see. The account was gone I was told. All accounts involving my bank, not just mine. 3 months later, bank sends me a letter saying that they sold the debt to the current debt collector who has no knowledge of my payments or how far or how little it was paid off. all they have is the present balance which was given to them by old bank when they bought it amounts alleged approx {$2000.00} The debt collector has sent 3 times a package of statements from original creditor bank with dates through XXXX but no records from XXXX the amount claimed is not found on those it was a higher original balance and no record of payments after XXXX. Therefore debt collector must cease all collection activites, since they are in violation of federal code ck

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GLOBAL CREDIT UNION
State: WA

Complaint narrative:
A couple weeks ago I had some unfamiliar transactions I noticed while doing online banking. I called XXXX support using the phone number that was connected to these transactions. After about a week and a half of working with what I believed was XXXX supports fraud/hack department- I was informed by my credit union that the XXXX support was not the real XXXX support and {$15000.00} was taken from my bank account and another thousand out of my XXXX wallet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a XXXX  XXXX  and went on job training. Then my boss tell me to stay home and other team from work told me not to pay me. Later one, I have to face bill which I can not and face another stress with job search. Then I have to face closing down with no reason. It was happen with chase account. Same happen to my other personal account because fraud with someone access online or did something over my account. I got bill from XXXX  and try find a job. A job reduce my hour and determination. I got kick out the home. My bank chase has to force to face down. I can not have job which pay more. Chase bank force me saying i can not being customer with them. A fraud team again me without listing all complain. My network got hacked as well too. The report I had and rejected. It was so weried. My home got fraud and bank as well. I hear someone tired to close down my chase bank. I tired to run away from home. My home got fraud by someone walk in to home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: IL

Complaint narrative:
Several inquiries pop on my credit report that I didnt do it was fraud identity thieft 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a call from on XX/XX/19, the person was claiming to be from JP Morgan Chase bank fraud department. I ask them to identify themselves they sent me a link to confirm I am speaking with a chase representative, they also we over the last XXXX transactions and the merchants. She then went on to say the reason for the call was because someone attempted to use my debit card ending in ... .at a XXXX. I said how I am in possession the card. She said not sure we just need to order you another card. She said will take XXXX business days, but with a charge of {$5.00} I can get it in 3 days. I told her yes I want that option. Then on XXXX  I believe it was the same person called said they need XXXX to set up fraud alerts so this doesn't happen again., Then while on the phone with her I get notification pop up do you authorize {$6300.00} withdrawal. I screamed and told her what is this what is going on then call drop. I checked my online, and exact funds were taken out. I rushed to the nearest Chase branch which is my locate branch in XXXX FL it is on XXXX and XXXX, XXXX XXXX XXXX. I spoke with representative banker XXXX XXXX, who confirmed that I have been scammed. A debit card was active and sent to XXXX, FL. I had to open a compromised new checking account. I do not even know anyone that lives in that area. I begin to cry hectically. I filed a claim, and a police report and it is being looked into, I had to give my employers the new checking account to update. Now, I am broke, maybe put out my apartment, my entire paycheck gone. I am single mom no government assistance trying to feed my child.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: NJ

Complaint narrative:
In accordance with the fair credit act 15 u.s.c section 602A states I have a right to privacy. 

Down below are inquires that are posted on my credit report that I do not have knowledge of. 

COMPANIES : XXXX XXXX XXXX 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 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: AR

Complaint narrative:
In XXXX, I applied for an XXXX repayment plan in anticipation of student loan payment resuming. I never heard anything. When I looked up my account on Mohela, it said I was in forbearance. I attempted to call to ask them if I could make payments during forbearance to count toward my PSLF ( I have {$30000.00} of loans that are 4 payments away from forgiveness ). It took multiple attempts and finally a three hour phone to get some answers ( which ultimately led to more confusion. ) I was told that my repayment plan request could not be processed because they needed more information. ( I never received any communication to this effect. ) It was explained to me that they needed my last five years of tax returns in order to process my repayment plan application. I tried to explain that I'd given that access via this website/IRS. The representative I spoke to said that didn't count. When I tried to ask why they needed tax returns going back to XXXX ( because I had been in repayment in XXXX and they should already have access ), I couldn't get a straight answers. I think asked for correspondence that explained what documents were needed and where they should be uploaded. ( You can imagine that five years of tax returns might be a significant amount of pages. ) The operator said she just needed to rerun my application that it had been processed under the wrong plan, and I should hear something in a week. That was a month ago. Since then, my account is still in forbearance. The only communication I have gotten from Mohela is a note saying that they were slow in processing communication. I have tried to call on multiple occasions, and the wait times were over an hour long. I have contacted my Congress person and complained to the US Dept. of Ed. I still don't know what if any info is needed, what my payment will be or when it will be due. I also don't know what I need to do to try to get four more payments credits to reach PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: MN

Complaint narrative:
Continental Finance reported that my payment was 30 days late during an investigation into payments not going through. I shut off autopay and paid it direct and still the payment did not go though for the XXXX XXXX I do the same process to pay the XXXX XXXX and don't have any issues with the payments being made. Their claim is the money isn't there, when in fact it is and still is from the most recent payment attempt. Both the XXXX XXXX and the XXXX XXXX were paid on XX/XX/XXXX. Both showed paid on the XXXX of XXXX. XX/XX/XXXX the XXXX XXXX showed it was late, then it showed there was yet another returned payment. This is the 5th time it has happened. This is a bad business practice that other credit card companies have gotten in trouble for. There claim is that it takes 3 days to clear the payment, which is not true. In some cases it can, but typically those are only on new payment methods. When the same payment method is used it is within 24 hrs. They also increased the amount owed for a single payment on the app from {$50.00} to {$170.00}. It seems rather no matter how I try to make a payment, they won't accept it. Then they report that it's late 30 days to the credit reporting agencies while it's being investigated and make things worse yet.

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 2023-10-25 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: NV

Complaint narrative:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!!

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!!

Company response to consumer: Closed with non-monetary relief