vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked at my account and noticed a new account on my credit report. This account was open by mistake and the creator had closed this account. Please delete this account off my credit repost XXXX XXXX XXXX XXXX {$360.00}

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Goal Structured Solutions, LLC
State: NJ

Complaint narrative:
On XX/XX/2024, I received an email from launch servicing as to how my automatic payment will be coming out of my bank account. When I click on the link to see my outstanding loan, it takes me to a screen that informs me that my loan has been transferred to XXXX XXXX XXXX XXXX shows that I do not have an upcoming payment- However, Launch servicing is continuing to remove money from my bank account monthly for XXXX separate loans, even though they no longer hold my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am a victim of identity theft. This account was open without my knowledge or consent. Account Number : XXXX Amount : {$470.00} I have filed a police report on this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I had my name on a vehicle that was repossessed over 20 years ago. XXXXXXXX XXXX XXXXXXXX out of XXXX Texas has threatened to sue me for almost {$15000.00} for this car. When my ex husband and I divorced, it was put in our decree that he was responsible for the car and all debt associated with it. Today I got a phone call and was told to call XXXXXXXX XXXX XXXXXXXX to find out more about the debt. When I tried to ask questions, the woman, XXXX XXXX, was very rude and refused to answer any questions. I didnt even know this was still a debt. I havent heard a word from this lender, Americredit, in over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I had a business I was operating that was extremely affected by XXXX XXXX. During XXXX  i had an extremely hard time paying my employees and my bills, and I had some late payments that occurred as a direct result of XXXX. I actually had to end up closing my business down due to the pandemic which has put me in a financial crisis till about a few months ago. 

For chase, I missed 2 payments in 2020 in XXXX and XXXX. 

I also had to close this account due to covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC
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 ACOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U S Department of Education XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Per the FCRA and UCC & 2-302, this collection is attempting to collect on a debt and is not licensed in the state of GA to collect. Secondly I have disputed the alleged debt several times and only notes are added to my credit file. I have requested proof of debt from collection agency and the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a negative balance of more than {$200.00} on my checking account. I tried to explain to Citibank that I was unemployed and that I could not pay off the balance. There was no solution in place

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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have tried to wire money domestically to a crptocurrency exchange site, Chase bank denied the transfer. When I tried to show the Chase representative the legitimacy of the exchange site, how I have transferred money between my crypto wallet and my Chase account twice recently without any problem. When I tried to access my online account to give the rep the dates, I discovered that my checking account has been locked out by Chase. The rep told me to wait while she tries to find out. My call was apparently escalated after a long hold, and the next person told me the same thing that they have denied the wire. Before I could come up with any alternate plan, I was informed that they have decided that I am high risk and that they are closing my account and will mail me my balance via a cashier 's check up to 10 business days. When I told the rep that I have bills to pay and I have no cash on hand since I wasn't prepared for their decision For the Chase bank to expedite the clising and overnight the cashier 's check overnight so that I can open another bank account to pay bills. The rep informed me that I can expedite the process by going to a Chase branch for the branch manager to overwrite the hold and give me my funds with a cashier 's check today. I went to the branch and the manager called someone, and told the person on the phone that " you guys need to quit sending people yo the branch when you know I can overwrite anything '', and placed me on the phone. The rep on the phone again acknowledged that I have not done anything wrong but they have the right to hold my money up to 10 business days for their own " research '', and that it is up to me to find alternate funds for my daily living expenses. The rep offered no solution but refused to return the money today or any attempt to expedite the process. I asked to close the account today and get my money out today. Again, the rep refused to unlock my account, refused to close the account today, refused to return my money today, refused to release any amount of money for my living expenses for the next 10 days, refused to expedite the process, and that it is required by law for them to do so. He suggested that I can try to call every day but will be told the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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 explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: CA

Complaint narrative:
chime has not told me why i cant reopen my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states that i have the right to privacy. 15 usc 1681section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be remove. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX GA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I bought a truck XXXX, the truck was having lots of issues, it was sold to me as a clean title but the truck was a Lemon, I tried contacting the dealership yet I got no response, spoke to the creditor to return the vehicle, and I did, they marked it as a repossession, they sold the vehicle at auction as a clean title, and I never got any information, I found out about everything till I checked my credit report and there was a charge off and a closed account, I tried contacting the company and filed a complaint with the XXXX XXXX XXXX, their response was just false allegations including a response letter referring to me with a different name, I responded to that stating that all of the information was false, including the name on the letter therefore they lost credibility with their records, their response was just that it was a typo, being a professional company I find it unethical, they didnt not resolve the issue in any way, all they say is that I dont have any new information and I dont because I never received anything I believe they are doing fraud, their reviews on XXXX  are all the same they have done the same to many people, my account was closed and charged off in XXXX and they have updated the balance on the account since I have made these complaints, I see this as retaliation all I ask is for them to remove this charge off off of my credit report and the response I get is them just wanting money, and false allegations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I want my private loans for Navient discharged due to XXXX XXXX being deceiving, a non-credited school, school misconduct, and defrauding borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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 called Equifax Mtg, XXXX, XXXX, Equifax Mortgage Servi , XXXX and left messages for them to return my calls. I have no Idea who they are? I did not give my permission for my credit to be ran and I would like them to be deleted immediately off of my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: Cascade CISS Holdings, LLC
State: VA

Complaint narrative:
I called XXXX XXXX, Xactus-XXXX, Xactus, XXXX Mortgage Servi , Xactus and left messages for them to return my calls. I have no Idea who they are? I did not give my permission for my credit to be ran and I would like them to be deleted immediately off of my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S, C 1681section 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

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I was referred to the Captial One Quicksilver card through someone who has the card already. They told me that if I was accepted for this card that they would receive a {$150.00} referral bonus and according to the referral link that I attached below I would receive a {$200.00} sign on bonus if I spent {$500.00} within the first 3 months of opening the card. I was approved for the card on XX/XX/2024 and used the card and reached the {$500.00} amount. The person that referred me to the card informed me that they received their {$150.00} referral bonus, but I did not receive my {$200.00} bonus. I called Capital One to ask why I did not receive it and they informed me I did not qualify for it. They have given no reason as to why I did not qualify for it even after I provided them with the information that every link I used when applying for the card indicated that a {$200.00} bonus would be provided if I spent the {$500.00} total amount within 3 months. The only other terms that I can see is that I could not have been a holder of a Capital One card within the last 24-48 months and I have never held a Capital One card up to this point. They have not responded to my questions asking for a detailed explanation on why I do not qualify. I have not heard back from them since XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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