vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Amount : {$0.00}

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 explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient decided it would be wise to only keep specific loans in good standing while attempting to default and charge off other loans. In the charge off process I paid them {$2000.00} with disbursements from XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX stated that they had a crash in their server and Navient took back their loans. Keep in mind, XXXX XXXX NOR NAVIENT notified me of any discrepancy. XXXX loans are in good standing : XXXX : XX/XX/XXXX and XXXX : XX/XX/XXXX. WHY ARE THE LOANS FOR XXXX : XX/XX/XXXX and XXXX : XX/XX/XXXX in charge off status? The only excuse I received was Navient decided only a fee should have in school deferment, bankruptcy status, forbearance, etc and not all of my loans. This is criminal and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX continues to report illegally a report which states I've made a late payment. According to 15 USC 1681s2. Responsibilities of furnishers of information to consumer reporting agencies, ( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

I NEVER EVER RECEIVED WRITTEN NOTICE OF FURNISHING OF NEGATIVE INFORMATION.

15 USC 1681s2 ( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customer 's delinquencies, late payments, insolvency, or any form of default. 

This must be deleted immediately.

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 2024-10-23 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: MD

Complaint narrative:
XXXX continues to report illegally a report which states I've made a late payment. According to 15 USC 1681s2. Responsibilities of furnishers of information to consumer reporting agencies, ( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

I NEVER EVER RECEIVED WRITTEN NOTICE OF FURNISHING OF NEGATIVE INFORMATION.

15 USC 1681s2 ( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customer 's delinquencies, late payments, insolvency, or any form of default. 

This must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX continues to report illegally a report which states I've made a late payment. According to 15 USC 1681s2. Responsibilities of furnishers of information to consumer reporting agencies, ( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

I NEVER EVER RECEIVED WRITTEN NOTICE OF FURNISHING OF NEGATIVE INFORMATION.

15 USC 1681s2 ( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customer 's delinquencies, late payments, insolvency, or any form of default. 

This must be deleted immediately.

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 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/year> THIS INFORMATION IS INACCURATE IVE NEVER DONE BUSINESES WITH THEM

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 2024-10-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had an item in dispute regarding an account with XXXX XXXX which is listed on my experian credit report. I applied for a mortagage and requsted that the remarks associated with the account be removed from my credit report as this was preventing me from obtaining a mortgage but this remark is still on my credit reoprt. My credit report is still showing that the item is disputed by the consumer. I have written more than XXXX letters to experian requesting the remark on the account to be removed and it's still on my credit report. I spoke to specialist on Monday XXXX XXXX and I was informed that the remarks was not on my credit report and I would get a copy of my credit report in the mail to prove that the remark was removed. I recevied the credit report XX/XX/year> which was dated as XXXX XXXX and the remark is still on my report. This remark on my credit report is causing me great harm and is affecting my ability to get this loan which I need urgently because I have already sent in a letter to my landlord terminating my lease at my apartment. I ask that this matter be address because experian is reporting inaccurate information on my creit report saying I am disputing an account which I am not.

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 2024-10-24 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: FL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Amount : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
This is now my THIRD time mailing you about some unverifiable items on my credit report. To recap what I have done so far : I have contacted the creditors directly ( multiple times ), and all have failed to provided ANY form of verification, authorization, or proof of permissible purpose I have contacted TRANSUNION multiple times informing you of this, and you have failed to verify these inquiries. 

Since neither Transunion or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible permission. If you fail to do so, I will be lodging a complaint with the Consumer Financial Protection Bureau and detailing your neglect regarding this very serious issue. Please remove the following inquiries from my credit report immediately :

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 2024-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX we experience the loss of our property and had and insurance claim. With chase being the lein holder they told us they would hold XXXX until the home was completed. It took us many years to complete the house after the contractor walked out on us We were told that upon completion chase would send an inspector and the money would be release to us. Which was never done upon contacting chase they are saying the check was sent to us in XX/XX/XXXX and we cash it but refuse to send me documents saying because it was so long the signature is not legible.. I have spoke to chase who told me the money was deposited in an escrow acct. another told me the check was never cashed the research department keep saying we cash a check we never saw. And why was it mailed out without an inspection as we were told..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Listed as original creditor. I have contacted the company asking for proof that I have did business with them directly and they have failed to provide this information. I have also notified all three credit bureaus and are demanding this false information be removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX decided it would be wise to only keep specific loans in good standing while attempting to default and charge off other loans. In the charge off process I paid them {$2000.00} with disbursements from XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX stated that they had a crash in their server and XXXX took back their loans. Keep in mind, XXXX XXXX XXXX XXXX notified me of any discrepancy. Two loans are in good standing : XXXX : XX/XX/XXXX and XXXX : XX/XX/XXXX. WHY ARE THE LOANS FOR XXXX : XX/XX/XXXX and XXXX : XX/XX/XXXX in charge off status? The only excuse I received was XXXX decided only a fee should have in school deferment, bankruptcy status, forbearance, etc and not all of my loans. This is criminal and discrimination.

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 2024-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management is claiming these debts are open balances. I do not believe that these debts from Midland Credit Management that are being reporting on my credit reports are valid. Midland Credit Management last reported XX/XX/XXXX for {$3500.00}, opened XX/XX/XXXXXXXX The amounts are showing as open balances, the date is incorrect, the amount is incorrect, and I have not received any validation of debt despite my attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am submitting this complaint against Chase Bank for denying fraud protection after I was deceived into an unauthorized charge of {$2300.00} on my account. Despite promptly reporting the incident and following all recommended procedures, Chase has refused to reimburse the fraudulent charge or acknowledge the incident as fraud. 

On XX/XX/year>, while in XXXX, I was approached by two individuals who claimed to be fundraising for funeral expenses due to XXXX XXXX. I agreed to donate {$10.00} via XXXX XXXX, writing this amount on their donation sheet along with my name and the date. They instructed me to hold my phone to theirs for the transaction but intentionally concealed their device so I couldnt see the amount being charged. XXXX XXXX does not display the transaction amount on the senders device. 

After the transaction, I realized I had not seen the charged amount and was not given a receipt. When I asked to verify the {$10.00} charge, they became evasive and eventually threatened me before fleeing. Upon checking my Chase app, I discovered an unauthorized charge of {$2300.00} from XXXX XXXX XXXX categorized under Automotive parts and accessories stores. 

I immediately reported the incident to the police and contacted Chase support. I was advised to wait until the transaction posted to dispute it. Once it posted on XX/XX/year>, I contacted Chases dispute line but was told that without a receipt indicating I intended to donate only {$10.00}, they could not assist me. I escalated the matter multiple times within Chase, filed a fraud report with their fraud department, and was initially promised a provisional credit pending investigation. 

However, on XX/XX/XXXX, I received a denial letter from Chase stating, You received benefit from this transaction. Further appeals, including a formal letter to Chases Office of the President, were unsuccessful. A representative from their executive office informed me that, according to Chases internal policy, scams are not considered fraud, and therefore they would not reimburse the charge. I pointed out that this policy was not disclosed in the cardholder agreement. 

In summary, I was deceived into an unauthorized {$2300.00} charge when I intended to donate only {$10.00}. Chase Bank has refused to acknowledge the incident as fraud and has declined to reimburse the charge. The bank cited internal policies not disclosed to customers, specifically that scams are not considered fraud. Despite promptly reporting the incident and following all procedures, I received inadequate assistance from Chase representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My right to privacy is being violated. I did not give consent for this information to be included in my credit report. As a consumer, I am aware of my rights, and those rights are being infringed upon with the inaccurate information being reported on my credit. This not only violates my privacy but is also damaging my credit score and having a negative impact on my life.

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 2024-10-24 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: FL

Complaint narrative:
XXXX XXXX XXXXXX/XX/year> ive never opened this account please remove from my 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 non-monetary relief
Consumer complaint received 2024-10-24 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: TN

Complaint narrative:
I was a victim of fraud in XXXX, XXXX in XX/XX/year>. A taxi agreed to charge me {$30.00} for a trip but it ended up charging {$3100.00} to my credit card account. I contacted Citi when I discovered this fraudulent charge in XX/XX/XXXX. They asked for a receipt but I couldnt furnish one. They said they would contact the merchant on my behalf. After not hearing any updates, I called Citi Master Card on XXXX XXXX which they told me the merchant would be given 45 days to respond which has lapsed. Last week they sent email to call for more information which I did but didnt receive any information about the investigation. I called yesterday, XXXX XXXX, as Citi is still trying to charge my account for this fraudulent transaction and havent received a letter in the mail regarding my case. Ive called several times and each employee has bounced my call around to various departments who arent able to provide any answers. Please help me. The charge is a fraudulent charge, one of well known Scams in XXXX, XXXX which I was not aware of until it happened to me. I XXXX and was surprised to see many people that had the same issue, XXXX XXXX XXXX XXXX does help their members but Master Card does not.

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 2024-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Arhaus had a promotional deal with Commenity bank to offer 6-months interest free if paid in full. 
We bought furniture in XXXX ( furniture was delivered in XXXX ). I did not receive a bill from Commenity bank so I called Arhaus which directed me to an online portal to login. I was able to login but not able to pay the bill. The system said it was unable to process any payments beside {$99.00} or paid in full. I called Commenity and talked to a representative there who told me that the system was delayed in getting me setup. Therefore I could pay the {$99.00} to avoid any interest paymetns and after that continue with the payments. I asked if the promotional 6 months began then and I would need to pay off the credit card before XXXX, he confirmed. 
I setup automatic payments to Commenity bank for $ XXXXmonthly to pay off the balance in 6 months ( {$9800.00} total ). 

The part that I'm upset about is we were charged $ {$1400.00} on XX/XX/year> Interest Charge on Purchases. 
Yet the info I was told and the online system was not even setup to receive proper payments for 2 months of the promotional period. 

I feel like we were mislead in order to get charged extra interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an 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