vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
FOLLOW UP/REINVESTIGATION. THESE NEGATIVE ACCOUNTS ARE DAMAGING MY CREDITWORTHINESS On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: LA

Complaint narrative:
XXXX XXXX was totaled in XX/XX/XXXX. I have repo fees that were added to my account twice and the interest wasn't adjusted until XX/XX/XXXX when the contract states that in the even of a not at fault total loss, the interest would be reduced. It wasn't reduced till XXXX. I asked for a proof of the payments to repo company. I was overcharge by Prestige on repo fees. I'm requesting proof of what company they paid and amount. I never received the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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:
I had a convenience card from XXXX and XXXX for my son as simply an authorized user while he was in college. The account belonged to me and I was the only signature on the contract. He is seeing both these cards on his credit report currently and they are dragging down his credit score. He has zero responsibility for the balances, I do personally and singularly. He has called both XXXX and XXXX repeatedly and they have done nothing to reconcile his credit with the credit bureaus. Thank you

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 2023-11-08 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:
I had a convenience card from XXXX and XXXX for my son as simply an authorized user while he was in college. The account belonged to me and I was the only signature on the contract. He is seeing both these cards on his credit report currently and they are dragging down his credit score. He has zero responsibility for the balances, I do personally and singularly. He has called both XXXX and XXXX repeatedly and they have done nothing to reconcile his credit with the credit bureaus. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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:
I had a convenience card from XXXX and XXXX for my son as simply an authorized user while he was in college. The account belonged to me and I was the only signature on the contract. He is seeing both these cards on his credit report currently and they are dragging down his credit score. He has zero responsibility for the balances, I do personally and singularly. He has called both XXXX and XXXX repeatedly and they have done nothing to reconcile his credit with the credit bureaus. Thank you

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 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
The customer service is extremely poor! It took over XXXX hours of holding and XXXX minutes of talking and I still have no resolution. 

The posted payment due amount changed multiples times leading up to repayment. I paid the last posted amount due and received a letter saying I was past due. I got another letter requesting payment in a new amount, paid it then received another past due notice. 

They misapplied the payment I made in XXXX for XXXX, 2023 and I still have no idea what I should pay because I get different letters/amounts every couple of weeks. I was told that they didn't put all my loans in the XXXX program only the ones that had been in repayment prior the covid pause. The pattern is I get a request for payment in one amount, I pay, they say I am past due then send a new request for a new amount is terrible. 

Separately, as of XX/XX/2023, I qualified for XXXX loans to be forgiven and provided proof. The said it would take up to 3 months to be resolved. They are still reflected online. My payment amounts due were lower with those loans included prior to repayment. Since they placed the mandated administrative forbearance and my payment due amount have increased! I don't understand that and want it resolved. Lastly, I provided a corrected employment verification when I verified I reached XXXX payments and they didn't increase my payment counts despite the same HR person making the correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-08 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: NC

Complaint narrative:
FOLLOW UP/REINVESTIGATION. THESE NEGATIVE ACCOUNTS ARE DAMAGING MY CREDITWORTHINESS. 

On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-08 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: GA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I am writing to bring to your attention a concerning matter regarding a debt collection attempt made by XXXXXXXX XXXX on XX/XX/2023, and the subsequent lack of response to my debt validation request. Additionally, I am now being contacted by another debt collector, MRS BPO, on XX/XX/2023 regarding the same debt, which raises questions about the legitimacy of this debt and the practices of the involved parties. 

* XX/XX/2023 : I was initially contacted by XXXX XXXX regarding a debt they claim I owe. I promptly responded to this communication by sending a debt validation letter via certified mail, return receipt requested, on XX/XX/2023. 
* Despite the passage of XXXX months since sending the debt validation letter, I have not received any correspondence or documentation from XXXX XXXX validating the debt as requested. This lack of response raises concerns about the validity and accuracy of the debt in question. 
* On XX/XX/2023, I received a communication from MRS BPO, another debt collector, inquiring about the same debt that was previously being pursued by XXXX XXXX. This sudden change in the collector 's identity, without any prior notice or explanation, further raises doubts about the legitimacy of the debt and the practices of the involved parties. 

Given the circumstances outlined above, I am seeking your assistance in resolving this matter and ensuring that my consumer rights are protected. I kindly request that you investigate the actions of both XXXX XXXX and MRS BPO in relation to this debt and take appropriate measures to address any potential violations of consumer protection laws. 

I am seeking your assistance in resolving this matter and ensuring that my consumer rights are protected. I kindly request that you investigate the actions of both XXXX XXXX and MRS BPO in relation to this debt and take appropriate measures to address any potential violations of consumer protection laws.

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 2023-11-08 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was a Victim of Fraud my Account, Husband and Son of {$130000.00} was Wiped out now i have no money my Chase Bank will not refund my money I gave them police report they went to XXXX XXXX all over Florida also gave Chase Bank pictures of the Men who toke my Money and my Bank thinks it my Fault happen on XXXX XXXX went to Chase Bank on XX/XX/XXXX filling.a report with them first they told me and my Husband On XX/XX/XXXX part of the money will take XXXX Hours the other will take XXXX  days and the other part XXXX hours I have been calling the Claims department and nobody calls me back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I paid off my full credit card balance of {$6800.00} on XX/XX/2023. After the payment was cleared, I then called XXXX to close my credit card on XX/XX/2023. The XXXX agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, XXXX charged an interest charge of {$25.00} on XX/XX/2023, 12 business days after my credit card was closed. XXXX never sent me any sort of communication or email stating the new balance was due. Two months went by and XXXX then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of XXXX 's failures. I have reached out to XXXX multiple times and XXXX agents are unwilling to reverse their credit reporting error. XXXX is standing by their reporting stating their XXXX statement shows an interest charge of {$25.00} but the disconnect is that XXXX charged their fees 12 business days after I closed my account. Also, no communications were given to me to give me the chance to either dispute or pay the erroneous interest charge. 
Please help to look into XXXX 's fraudulent behaviors and help to reverse their credit reporting error.

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 2023-11-08 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: IL

Complaint narrative:
I paid off my full credit card balance of {$6800.00} on XX/XX/. After the payment was cleared, I then called XXXX to close my credit card on XXXX XXXX XXXX The XXXX agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, XXXX charged an interest charge of {$25.00} on XXXX XXXX XXXX XXXX business days after my credit card was closed. XXXX never sent me any sort of communication or email stating the new balance was due. XXXX months went by and XXXX then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of XXXX 's failures. I have reached out to XXXX multiple times and XXXX agents are unwilling to reverse their credit reporting error. XXXX is standing by their reporting stating their XXXX statement shows an interest charge of {$25.00} but the disconnect is that XXXX charged their fees XXXX business days after I closed my account. Also, no communications were given to me to give me the chance to either dispute or pay the erroneous interest charge. 
Please help to look into XXXX 's fraudulent behaviors and help to reverse their credit reporting error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: DISCOVER BANK
State: IL

Complaint narrative:
I paid off my full credit card balance of {$6800.00} on XXXX XXXX XXXX. After the payment was cleared, I then called Discover to close my credit card on XX/XX/. The Discover agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, Discover charged an interest charge of {$25.00} on XXXX XXXX XXXX XXXX business days after my credit card was closed. Discover never sent me any sort of communication or email stating the new balance was due. XXXX months went by and Discover then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of Discover 's failures. I have reached out to Discover multiple times and Discover agents are unwilling to reverse their credit reporting error. Discover is standing by their reporting stating their XXXX statement shows an interest charge of {$25.00} but the disconnect is that Discover charged their fees XXXX business days after I closed my account. Also, no communications were given to me to give me the chance to either dispute or pay the erroneous interest charge. 
Please help to look into Discover 's fraudulent behaviors and help to reverse their credit reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/2023 I notified my bank by filing a claim that I had been charged an additional amount for a good I did not receive, example I ordered XXXX good but were charged for XXXX. 
My bank sent my an email overnight at XXXX XXXX EST XX/XX/2023 that they were changing my case reason, they then sent me a following email at XXXX XXXX  EST XX/XX/2023 saying they were reviewing my case, they sent an email at the same time XXXX XXXX  EST XX/XX/2023 saying they were sending a replacement debit card. Never throughout my initial request did I request a replacement card and I am temporarily living out of state so my debit card is being sent to an address I am not currently at. 
I saw these emails around XXXX EST XX/XX/2023 and contacted paypal by phone at XXXX EST XX/XX/2023. I was transferred 3 times before I got the correct department. The initial representative from paypal debit was not able to provide me a reason why my card was replaced without my consent. I was instructed to update my address and request a new card to the correct address. After updating my address I was unable to request a new card in the app or the link I was instructed to go to. I requested to speak to a supervisor. After being transferred to the supervisor, she told me that it is paypal policy to replace a card when an unauthorized transaction was reported. I have filed a claim before and this has not happened. The supervisor was also unable to request a new card. 
Paypal closed my card without my consent and now are not able to reissue me a new card.

Company response to consumer: Closed with explanation