vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: SC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to 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 2024-05-01 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: NV

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
CFPB Complaint for Difficulty Unfreezing Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX - XXXX XXXX I am filing a complaint against XXXX, Equifax, and XXXX for refusing to unfreeze my credit report. 
I attempted to unfreeze my credit report on [ XX/XX/2024 ] at [ XXXX, EQUIFAX, XXXX ] by calling their phone numbers. 
I repeated this proces on [ XX/XX/2024 ] at [ XXXX, EQUIFAX, XXXX ] with similar results. 
I believe I have the right to unfreez my credit report according to the Fair Credit Reporting Act ( FCRA ). 
I request that the CFPB investigat this issue and ensure that all three bureaus ( XXXX, Equifax, and XXXX ) unfreeze my credit report immediatly. 
I want my Credit report unfrozen, Ive aslo wort them all letters as well. 

Signature XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
CFPB Complaint for Difficulty Unfreezing Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX - XXXX XXXX I am filing a complaint against XXXX, XXXX, and Experian for refusing to unfreeze my credit report. 
I attempted to unfreeze my credit report on [ XX/XX/2024 ] at [ XXXX, XXXX, EXPERIAN ] by calling their phone numbers. 
I repeated this proces on [ XX/XX/2024 ] at [ XXXX, XXXX, EXPERIAN ] with similar results. 
I believe I have the right to unfreez my credit report according to the Fair Credit Reporting Act ( FCRA ). 
I request that the CFPB investigat this issue and ensure that all three bureaus ( XXXX, XXXX, and Experian ) unfreeze my credit report immediatly. 
I want my Credit report unfrozen, Ive aslo wort them all letters as well. 

Signature XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I first contacted Experian in XXXXXXXX XXXX XXXX about multiple records on my credit that I disputed, asking them to verify and validate the reported debts per the FCRA. Part of the well-established law is Experian is required to share with me proof of validation. After more than a month with numerous back and forth attempts, Experian is still keeping the debts on my record without providing proof they are valid debts under the FCRA. 

The most recent report numbers include : XXXX and XXXX Experian is violating the law by refusing to provide proof the debts in question on my credit are valid.

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 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
Hello, While performing a follow-up personal credit check I discovered inconsistencies with two collection accounts that appear on my credit report. The accounts both appear on all three bureau reports, however they have inconsistent naming, address and status information. Here is a summary of what is reporting : Credit Management is reporting two different names, two different addresses and different status : 1. The XXXX report indicates the name Credit Management , LP, while both XXXX and XXXX list it as Credit Management XXXX XXXX. 
2. The XXXX report indicates the address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX while both the XXXX and XXXX reports indicate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 
3. XXXX reports the account as open while both XXXX and XXXX indicate the account as closed. 

As these inconsistencies are grounds for removal from my personal credit reports I am writing to state that I did not receive the opportunity to dispute this information. If in fact I was provided proper notification, please provide me with a copy of the certified receipt with my acceptance signature displayed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2023 I noticed a derogatory on my credit report from XXXX. I have tried disputing this inaccurate information multiple times with collection agencies but nothing have been done. I am writing this dispute certain information on my credit report as provided by your Transunion, which I believe violates the fair credit reporting act ( FCRA ) under 15 USC 1681 ( 2 ) ( a ) ( i ). The inaccurate information pertains to an outstanding balance that does not belong to me, such as inaccurate balance on an close account. I am requesting that you investigate these inaccurate and remove the dispute information from my credit report in accordance with the provisions of the FCRA.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX is in violation of the FDCPA. This company has not validated this account nor did they provide me with a method of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I have received " this is a notice to collect a debt '' in regard to XXXX XXXX XXXX XXXX, informing I have/had debt with them. I requested documentation per 15 U.S Code 1681b, in which I have NEVER received any information or communication from them. I have received a judgment from Scott & Associates informing garnishment of wages, on behalf of XXXX XXXX XXXX, whom also did not send or notify me of any alleged debt. NO ONE of 4 parties, including a company of XXXX XXXX XXXX XXXX who also did not send documentation upon request. This alleged debt seems to have gone through several agencies without my knowledge from the original creditor XXXX XXXX XXXX XXXX, and now Scott & Associates are trying to collect and sue me for something I have no knowing of. Scott & Associates is also trying to collect debt on an account with XXXX, which was possibly sold to XXXX XXXX XXXX XXXX XXXX in which I had no knowing of either. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please be mindful, 15 U.S. Code 1692g-Validation of debts and 15 U.S. Code 1692e-False or misleading representations. 

The following bureaus XXXX, XXXX, and XXXX are also in violation of my rights due to furnishing such information upon not verifying in due of the proper channels and procedures. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) and 15 U.S. Code 1681e ( b ) accuracy of report. 

All parties will be mentioned in regard to the appropriate account number/info I have thus far. Upon listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: FL

Complaint narrative:
To whom it may concern : Attached you will found information Ive identified on my credit report that needs to be deleted from your records 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 2024-05-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Net Pay Advance, Inc.
State: TN

Complaint narrative:
I have received multiple text messages that say they are from someone with Net Pay Advance. " It's XXXX with New Pay Advance. You have a past due balance of {$180.00}. When will the funds be available to process this payment? We can take a small payment today for {$30.00} and set up a payment plan for the rest. Let me know ASAP in order to stop the collection process reply for my help. Visit : XXXX. '' Also, " it's XXXX with Net Pay Advance. Is this a good time to talk about a payment plan? We're here for you. Let 's find a solution for your past-due balance and avoid further collection activity today! Just reply for our assistance or visit us at https : XXXXnetpayadvance.com? Easy-Access? XXXX. '' I also received a phone call from someone claiming to be from Net Pay Advance. When they asked about my loan, I told them I did not have a loan with them. They said it might be fraud and I should give them the last 4 digits of my SS # so they could take care of it. I asked them what the last 4 digits were of the SS # they had on file and they told me they could not verify that information. I told them I thought they were the ones committing the fraud. 

I do not have any loans with Net Pay Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: LA

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my XXXX, Experian XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
XX/XX/year> We contacted Vanilla Gift to open a case because the {$500.00} Vanilla pre-paid visa gift card we purchased was not working. 

XX/XX/year> They opened a case. We called back and sent our documents to an email address they gave us, and they told us to wait a few days. 

XX/XX/year> We called them again, and they told us they did not receive our email. A second email address was provided so we sent it again to this new address. This time there was an automated email saying mail received. 

XX/XX/year> We called back to check if they got anything, but they still said no. We complained about their email not working, and they promised to escalate our case. 

XX/XX/year> We called back and found out our case was not escalated but was instead closed due to 'inactivity '. They gave us their fax number, but we found out the fax was offline even during business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX XXXX XXXX XXXX from XXXX for {$2000.00} each, or {$4000.00} total. In return, I was supposed to receive my investment back plus a 15 % return in one year. So, I was due to receive {$4600.00} after they sold the beef from the cattle within 10 days after XX/XX/XXXX. I put the charge on my Chase XXXX XXXX XXXX card ( XXXX ). Please see attached for the contract and my credit card statement showing the purchase for {$4000.00}. 

XXXX was later found to be operating a fraudulent ponzi scheme. They have disconnected their phone number, and I never received my promised payout. Please see the latest update here : https : XXXX XXXX is now under federal investigation by the SEC with ongoing legal proceedings. 

XXXX XXXX is the attorney handling this case. 
XXXX XXXX I reached out to Chase twice about getting the {$4000.00} charge reversed because I never received the " goods " ( {$4600.00} ) I was promised. I am attaching their latest response from XX/XX/XXXX, XXXX. They denied my request saying the charge was valid. But that isn't the basis for my dispute. I am not disputing that I made the purchase. No one stole my credit card and made the purchase. I acknowledge that I made the {$4000.00} purchase. I am simply arguing that I never received anything from XXXX in return. 

The whole point of making a purchase through a credit card rather than paying cash is to receive some layer of protection from fraudulent companies such as XXXX. This ponzi scheme has involved thousands of victims and some of them have already received refunds on their credit cards from other issuers such as XXXX XXXX -- why won't Chase do the same to make their customers whole? 

Thank you for your help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To whom it may concern : Attached you will find information Ive identified on my credit report that needs to be deleted from your records 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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
For over a year, I have written, emailed, called and spent countless hours trying to receive help due to XXXX XXXXXXXX, hardship, etc. I have written letters, I have called literally every department including the executive department, emailed, the executive department about my situation, however, they will not make, acknowledge or try and assist in a XXXX persons inability to make the payments they are asking. That is discrimination, when you have no programs for XXXX veterans, or veterans family to be able to pay a lesser payment. I have filed multiple complaints against this company because, they did not close the account like I instructed them to. I was told by XXXX, who took a payment from me on XX/XX/XXXX, for {$80.00} that the account was not closed. I instructed USAA Debt Management Services in XXXX, XXXX, that the account was to be closed. XXXX did not close it. This is illegal. When a customer says, I cant afford the account, I will make payments on it as necessary, close the account, by law, the account is to be closed. I want this account closed. I am on medical SSXXXXI XXXX, I have instructed this bank over a hundred times that I cant pay the amount they are asking on a fixed income. They refuse, and do not have any programs available for a XXXX person, a bank who claims to help veterans and their families, and they have no programs to lower my payments. By law, every bank is to have options for customers in hardship and XXXX distress, this bank does not, they say they will take XXXX a month, and I make less than {$1000.00} monthly. My XXXX that I take cost XXXX a year. How, am I supposed to pay for what I need when this bank will not make accommodations? I have told them my situation, my needs, my XXXX hardship that is not going away, they ignore me, they do not return phone calls, they have said, we cant help you. I have tried, and as a XXXX person, who has been transparent and honest, this bank, and another bank that I have filed complaint against, does not care. This needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I signed up for Alphaeon 's 24-month interest plan back in XX/XX/2021 for my XXXX XXXX. After receiving my credit card, I created an account and signed up for automated payment with the expectation that at the end of the 24 months, my balance should have been paid off. 

Today, I logged into the website spontaneously to check if my balance had been paid off. To my surprise, I found my balance was {$4000.00}, which struck me as odd since my starting balance was only {$3700.00}. Over the course of two years, I diligently made payments, yet somehow my current balance exceeded the initial one. Even more puzzling, I've been accruing interest charges for the past XXXX months on what was supposed to be an interest-free credit card. 

Upon delving deeper, I discovered that my 24-month interest-free promotion ended in XX/XX/2021. The company had stealthily applied a staggering accrued interest of {$1700.00} to my account. This situation feels particularly strange because all the other credit card companies I've used for installment payments typically ensure the balance is paid off by the end of the promotional period, especially when automated payments are set up. 

After contacting Alphaeon customer service, I learned that the monthly payment I initially set up wasn't sufficient to clear the balance by the end of the promotional period. Despite explaining the situation, the customer representative informed me that the accrued interest of {$1700.00} couldn't be waived. I emphasized that this was a result of miscommunication and suggested that the automated monthly payment system should calculate this for the customer, as is common practice with other credit card companies, to prevent such oversights. However, the customer service team remained adamant and refused to take any action. 

Further research revealed that this issue is widespread among Alphaeon customers, with many experiencing unexpected interest fees totaling thousands of dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a text message and an email from chase, telling me that action was required and that my account was restricted and may close soon. I immediately called chase and was told they could not give me a reason for the closure and that there was nothing I could do. I informed them that my payroll department had already submitted my direct deposit and it was set to hit my account on XX/XX/2024. They told me that it will not show in my account until 2 business days after the initial deposit date, and at that point I would have to visit a Chase branch and speak with a banker to see if they could give me my money in person. 

I called chase at number XXXX yesterday because I saw my direct deposit hit my account and I just wanted a refresher on what I was to do to get my money. I spoke to a gentleman who told me the same thing I was told previously, except he told me the check for the remaining balance in my account would be sent sometime around XX/XX/XXXX, which I dont understand, I already had to wait 2 business days after my direct deposit hit, and now I was told I would have to wait longer. I was pleasant thanked him for his explanation and ended the call. 


Today XX/XX/2024, 3 business days after my initial deposit date, I did what I was instructed and I visited my local chase branch and all they told me was that chase decided to end their relationship with me and that I would be receiving a cashiers check in the mail in about 11-16 business days. I can not wait that long I have several bills and rent due and its not fair I havent done anything wrong. I did nothing wrong I need my direct deposit as soon as possible.

Company response to consumer: Closed with explanation