vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: FL

Complaint narrative:
I am writing to express my concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by [ Experian and XXXX ]. I believe my rights under these acts have been compromised in the following ways : 1. Lack of Consent : I have not provided explicit consent, whether verbal, non-verbal, written, or implied, for the sharing of my nonpublic personal information with credit reporting agencies or nonaffiliated third parties, which may constitute a violation of FCRA Section 604 ( a ) ( 2 ) and GLBA Section 6802 ( b ) ( c ).

2. Nondisclosure Option : I was not adequately informed of my right to exercise the nondisclosure option, as required by GLBA Section 6802 ( b ) ( c ).

3. Adverse Information Reporting : The reporting of adverse information that antedates the report by more than seven years, as specified in FCRA Section 1681C ( a ) ( 5 ), is potentially in violation of the law.

4. Inaccurate Information : I have reason to believe that the information being reported is inaccurate and not maintained with reasonable procedures, as required by FCRA Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e.

In light of these concerns, I am choosing to opt-out of any services that involve the sharing of my nonpublic personal information with credit reporting agencies or nonaffiliated third parties. I kindly request the CFPB 's assistance in addressing these issues and ensuring that my rights are protected under the FCRA and GLBA.

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 2024-01-24 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: NV

Complaint narrative:
There are hard requests on my consumer reports. That information was transferred, shared and, or sold without my consent.

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 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-24 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Inc.
State: MD

Complaint narrative:
XXXX made a purchase online and I was supposed to get my product today but I woke up this morning to make inquiries and it seems the person blocked me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I need to re open my previous claim that was closed. Complaint # XXXX. I dont agree with the reasoning of the denial of the transaction done to my accounts with Chase and the way it was handled. I need this to be investigated further as I was hacked and a victim. I have not authorized any claims to be processed nor allowed any funds to be distributed out of my accounts in that time period. Chase dropped the ball here by not red flagging all those fraudulent transactions, which were many. All my accounts were closed by a Chase themselves stating that I was a high risk to them. This is also unfair. Im now with a lien on my home and behind on my payments that were jeopardized when this happened in XX/XX/year>. Now I get notified that Im negative with Chase on a closed account. I have no money to pay this nor to pay my lenders. Especially when payments were already done and this shouldve never happened. I do have my local police investigating this case. And they will be sending out subpoenas. They were able to find an XXXX our Georgia for one of the transactions where they took the funds that where temporary give by Chase. You are the one of the only bank that does temporary credits without investing first and use people out the country ( third party vendors ) to do these transactions for a Chase. This give the hacker/ thief whatever they, more opportunity to do what they did to me. I know Im not the only person this has happened to but I need this resolved and need to be current with my lenders. My life hood is in state here. I never authorized any of this transactions. I beg to open and help resolve this. This is a lot of money. 
I have stacks of letters of all the non authorize claims done by someone that wasnt me. I need to be able to sit with someone and discuss this in person. I have been to my local branch but they arent available to do anything as this needs to be handled by Chase corporate offices. I will be waiting on a response. I will be try to look for an attorney that can help me with this issue. But have no money to pay. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the XXXX XXXX XXXX that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that maXXXX exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2024-01-24 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:
I received an email about my credit from Chase today XX/XX/24. Apparently it was pulled from XXXX. STOP ACCESSING MY CREDIT REPORT! THE INFORMATION IS FRADULENT! CHASE IS INVOLVED IN CRIMINAL FRAUD! STOP CONTACTING ME! XXXX, LOCK MY REPORT AND STOP SHARING WITH EVERYONE! I DONT WANT ANY CREDIT, AND I DONT WANT YOU SHARING A REPORT THAT CONTAINS SLANDER AGAISNT ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
As of XX/XX/2024 I am being charged over {$50.00} per month on a bill of {$310.00}. 
Before I rec 'd any notification from this company ( Holloway Credit Solutions ) I contacted my dentist 's office to pay off this account and was told it had been sent to collections. It was months after this that I began receiving letters form this debt collector. I believe that I am being scammed by both the dentist and the debt collector or that they are in conspiracy to illegally profit from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
XXXX was the discharged amount ; this was discharged in XXXX XXXX sold it to Hayt and Hyat which they filed a petition in XXXX XXXX XXXX on XX/XX/XXXX. I was not notified until XX/XX/XXXX and they did not give me accurate enough time to answer. This charge was charged off my credit a while back. They guy who brought the papers to my doorstep portrayed hisself as someone else and then gave the paperwork to my husband. This particular person I have seen before in my neighborhood did not know who he was until XX/XX/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 2024-01-24 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: AL

Complaint narrative:
Account information is fraud. I reported to company account was open in my name while under XXXX  XXXX XXXX XXXXXXXX  XXXX/1692d, provides that a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. More specifically, 1692d prohibits [ c ] ausing a telephone to ring or engaging any person in telephone conversation repeatedly.

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 2024-01-24 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: AL

Complaint narrative:
Account information is fraud. I reported to company account was open in my name while under XXXX  after having XXXX  XXXX/1692d, provides that a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. More specifically, 1692d prohibits [ c ] ausing a telephone to ring or engaging any person in telephone conversation repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: AL

Complaint narrative:
Account information is fraud. I reported to company account was open in my name while under XXXX  after having XXXX  XXXX1692d, provides that a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. More specifically, 1692d prohibits [ c ] ausing a telephone to ring or engaging any person in telephone conversation repeatedly.

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 2024-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: IL

Complaint narrative:
I have Student Loan Repayment written into my XXXX XXXX contract. As of XX/XX/year>, I had the required XXXX XXXX XXXX filled out from the XXXX XXXX XXXX and submitted that information to Ed Financial to process my student loan repayment. The first installment of my student loan repayment is {$6600.00}. 

When I upload the required document to Ed Financial, nothing shows under the " Documents You Sent Us '' tab. I have attempted to upload my XXXX XXXX XXXX XXXX times to Ed Financial with no success. The first attempt to submit my student loan repayment paperwork was on XX/XX/year>. I sent an email to military @ edfinancial and only got what seemed to be an automated response, saying " I have submitted for special review and processing of your documentation. This is typically done within 5-7 business days. ".

I waited past the 7 business days, checked for any updates and still found nothing. When reaching back out after the 7 business days, I was again lead to no conclusion whether Ed Financial was processing my repayment paperwork.

I was told it would take 3-4 months to process this paperwork from the XXXX XXXX XXXX XXXX and I am beyond that timeframe while paying monthly payments to these student loans as well as interest being incurred monthly. I am supposed to submit a new XXXX Form XXXX every year before the anniversary date of my military contract, but I can't seem to get last year 's payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAa responded to my complaint I had legitimate fraud on my account. They're claiming that they can't cover it because the person who tried to call me had my login information and they're accusing me of transferring money to them even though they saw themselves that the person had access to my account This company needs to cover this is fraud because that's what it is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
Covington credit $ XXXX XXXX XXXXXXXX XXXX  XXXX XXXX $ XXXX XXXX $ XXXX.These accounts do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MO

Complaint narrative:
XXXX complaints with XXXX ridiculous explanations all before XXXX lie lie lie lie lie lie lie lie just another stall tactic

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 2024-01-24 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: CA

Complaint narrative:
I received an email about my credit from XXXX XXXX  XX/XX/24. Apparently it was pulled from Experian. STOP ACCESSING MY CREDIT REPORT! THE INFORMATION IS FRADULENT! XXXX IS INVOLVED IN XXXX  FRAUD! STOP CONTACTING ME! EXPERIAN, LOCK MY REPORT AND STOP SHARING WITH EVERYONE! I DONT WANT ANY CREDIT, AND I DONT WANT YOU SHARING A REPORT THAT CONTAINS SLANDER AGAISNT ME!

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit report states I had a late payment on XX/XX/2022 and my record does not reflect late payments and lack of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/XXXX I was charged {$360.00} from XXXX, which was unauthorized. I never have used XXXX. I contacted Citibank and they reversed the charge and said they would initiate a fraud investigation. 
XX/XX/XXXX they added the charge back onto my account and never informed me. I did not receive a XXXX statement. 
XX/XX/XXXX I then received a payment past due notice by email although I had never received XXXX of XXXX statements. Apparently they had me set up paperless which I did not request. I havent used this card for many months and so did not realize that statements were missing. 
XX/XX/XXXX I called and spoke to XXXX and she said that the XXXX had no proof of delivery and that someone with a different email ordered it on my card. She said they would remove it back from my account. 
XX/XX/XXXX It was not removed and interest and late fees were charged on XX/XX/XXXX. 
XX/XX/XXXX I called again, spoke to XXXX. He said it was being investigated and should be corrected shortly. 
XX/XX/XXXX I received an email stating that my account is past due 25 days. I know that if the account goes 30 days, it will be reported as a negative on the credit bureaus. I have a XXXX XXXX  and I do not want their incompetence to reduce my 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 monetary relief
Consumer complaint received 2024-01-24 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: MD

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