vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I submitted an employment contribution form showing I work at a qualifying employer. My form shows I started employment on XX/XX/2021 and it continues to present. Fedloan Servicing decided to rob me of credit for XX/XX/2021 and XX/XX/2021 and list my start date as XX/XX/2021. When I called them last time it took two and a half hours to reach someone and they did not resolve my issue. I would like Fedloan Servicing to do their job of properly counting my payments. It is worth noting they still have not given me credit for XXXX, but this is a new complaint about how I am being robbed of credit for other payment periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I paid off the account earlier in the year and put the card in my drawer because i dont use it. All of a sudden in XXXX I get a notice on my credit report that there is a 30 day late reported. I called Amex and told them it was fraudulent charges for a subscription I didnt subscribe to but not only that my account was set up on auto pay as I have NEVER been late. They said they would look into it and remove the negative reporting. In the meantime I paid the past due balance and they actually owe me money. They never removed the negative reporting so I called again and they said it would be taken care of-which they did nothing again. I am a long time card holder and have never been late on any of my credit cards and they actually owe me money.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
For over a year I have been trying to fix the improper Foreclosure statues that keeps getting reported to my account even though the account in question has been proven by XXXX XXXX that there should not be a XXXX status reported. I will be attaching a document from XXXX XXXX that shows proof from them that the account should not be in XXXX status. 
The account in question is : XXXX XXXX XXXX Mortgage -Property sold on XX/XX/XXXX of 2020. 
Actions taken are : - Discussed issue with XXXX XXXX - Received document to clear FC from XXXX XXXX TWICE - Talked to All three Credit bureau and filed dispute on XXXX XXXX - Submitted one claim to CFPB : Claim FAILED by CFPB - Disputed with again with ALL Three Credit Bureau 's and still no change.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
For over a year I have been trying to fix the improper Foreclosure statues that keeps getting reported to my account even though the account in question has been proven by XXXX XXXX that there should not be a XXXX status reported. I will be attaching a document from XXXX XXXX that shows proof from them that the account should not be in XXXX status. 
The account in question is : XXXX XXXX XXXX Mortgage -Property sold on XX/XX/XXXX of 2020. 
Actions taken are : - Discussed issue with XXXX XXXX - Received document to clear FC from XXXX XXXX XXXX - Talked to All three Credit bureau and filed dispute on XXXX XXXX - Submitted one claim to CFPB : Claim FAILED by CFPB - Disputed with again with ALL Three Credit Bureau 's and still no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
For over a year I have been trying to fix the improper Foreclosure statues that keeps getting reported to my account even though the account in question has been proven by XXXX XXXX that there should not be a XXXX status reported. I will be attaching a document from XXXX XXXX that shows proof from them that the account should not be in XXXX status. 
The account in question is : XXXX XXXX XXXX Mortgage -Property sold on XX/XX/XXXX of 2020. 
Actions taken are : - Discussed issue with XXXX XXXX - Received document to clear FC from XXXX XXXX XXXX - Talked to All three Credit bureau and filed dispute on XXXX XXXX - Submitted one claim to CFPB : Claim FAILED by CFPB - Disputed with again with ALL Three Credit Bureau 's and still no change.

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 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This is not my debt and I have asked repeatedly in writing and over the phone for proof of debt. Documentation provided to me that this is in fact my debt under the protection of the law. Just because they say it is mine doesnt mean it is, I am owed proof of debt under the law. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
On XX/XX/2022, XXXX XXXX, and XX/XX/2022, I asked agencies to investigate items that I believed were reporting not XXXX percent accurate. As of now, I have no notice from them at all stating that the accounts are in investigation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am having to exercise my rights under law. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, all has violated my rights. 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 account without my written instructions. Reporting agencies also have failed to allow me to remove several inaccurate names and addresses. I've been living over 12 years at the same address which is inaccurate I have one name that was provided at birth but yet several names are reported on 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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, XXXX XXXX, and XX/XX/2022, I asked agencies to investigate items that I believed were reporting not 100 percent accurate. As of now, I have no notice from them at all stating that the accounts are in investigation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am having to exercise my rights under law. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, all has violated my rights. 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 account without my written instructions. Reporting agencies also have failed to allow me to remove several inaccurate names and addresses. I've been living over 12 years at the same address which is inaccurate I have one name that was provided at birth but yet several names are reported on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed.

According to to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I paid off the account earlier in the year and put the card in my drawer because i dont use it. All of a sudden in XXXX I get a notice on my credit report that there is a 30 day late reported. I called XXXX and told them it was fraudulent charges for a subscription I didnt subscribe to but not only that my account was set up on auto pay as I have NEVER been late. They said they would look into it and remove the negative reporting. In the meantime I paid the past due balance and they actually owe me money. They never removed the negative reporting so I called again and they said it would be taken care of-which they did nothing again. I am a long time card holder and have never been late on any of my credit cards and they actually owe me money.

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 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I called Chase Bank to dispute a transaction from my checking account. The transaction was a XXXX payment to an alleged small business for the amount of {$790.00} in exchange for a custom good that I never received. The transaction was posted to my Chase checking account on XX/XX/XXXX. 

The first Chase representative I spoke with apologized for my problem and said there was nothing to worry about and that Chase would immediately start a claim to recover my money. To do so, the representative stated that he would have to transfer me to another department. 

Once my call was transferred, the second representative was incompetent, rude, and confusing. She initially stated what the first representative had stated, that she was sorry for my problem and that there was " nothing to worry about - Chase would immediately start a claim to recover [ my money ]. '' Then, I sat on the phone waiting for her next response for about XXXX minutes without information about what she was doing/that I was on hold. Suddenly, she started to speak very fast and I could not understand her. I asked her multiple times to repeat the information. Finally, the representative stated that a claim had been started but that it was unlikely that I would recover my funds since I " should have known who [ I was ] sending the money to. '' I tried to explain the situation again and she talked over me repeatedly, not allowing me to finish my sentence or respond to her statement. Finally, after I asked her to please allow me to speak, she became very short in her responses to me, and essentially ignored my question/concern about the contradictory information she had just given me. Frustrated, I asked to speak to someone else. She ignored my request, told me to have a nice day, and hung up the phone. 

I am filing this complaint because Chase refuses to recover my {$790.00}. Further, in XX/XX/XXXX, the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent person-to-person transactions are in fact considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. 

The CFPB also stated that banks can not consider consumer negligence as a factor or claim that consumers waived their protections in their bank account agreement. 

Thus, I urge Chase Bank to review my claim along with this complaint and to credit my funds back to my checking account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
1.I have never had an account with this company WF/DILLARD XXXX XXXX REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WF/DILLARDS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 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. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
Had damage to house, insurance issued check including mortgage company. Went through their claim process but can't get the money released now to pay for a new roof before winter comes to Minnesota. We have a band aid on the roof but will not survive winter. They have sent the check in XXXX & XXXX ( ex wife ) name even though XXXX is only one on account. Said it was fixed & money transferred electronically by XX/XX/2022. No transfer, called & said would take 24 to 48 hours for management to sign off then 10 business days for a check to be cut & then mailed 5-7 days unless I pay for an overnight label from XXXX. If a roof isn't put on, additional damage will occur, possibly making the house uninhabitable. I need them to release the {$10000.00} that they have of our insurance money so I can get this completed. The mortgage servicer is Shellpoint Mortgage, LLC. This is a XXXX XXXXe loan. I am looking for any help possible. Please feel free to speak with XXXX as I work during the day and unreachable.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: NC

Complaint narrative:
There have been multiple times that credit karma has advertised that i was eligible for a new credit card, so while trying to build my credit i would apply only to be denied those cards. They have been very misleading when it comes to applying for new cards.

Company response to consumer: Closed with explanation