vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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: MN

Complaint narrative:
AES has not provided accurate records to Federal Student Aid. When I view my AES loan details on studentaid.gov, the loan history shows my repayment starting on XX/XX/XXXX ; however, my loan repayment began in XXXX. Therefore, I am requesting they provide updated records to FSA starting in XXXX. 


AES has not provided me with accurate/ fully payment history from my loans. The payment history AES provided to me is only from XXXX ; however, the missing payment history should be from XXXX. I requested this for my own records too.

These inaccuracies are preventing me from completing the PSFL process that I started two years ago. If this issue is not resolved in a timely manner I will continue reaching out to other advocates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding their malicious and fraudulent reporting on my credit report, causing significant and unwarranted damage to my credit score.

The details of my complaint are as follows : In XX/XX/2020, Chase Bank closed one of my credit cards due to nonpayment of an amount related to price gouging during the pandemic. 

Subsequent to the closure, Chase Bank reported my account as charged off in XXXX 

Surprisingly, after the closure and charge-off, Chase Bank began offering me discounts to settle the outstanding balance.

The charged-off account has had a detrimental impact on my credit score. 

Chase Bank continues to report the nonpayment to credit bureaus, even though my account was closed and charged off three years ago.

The persistent reporting of nonpayment has resulted in the consideration of the debt as current, significantly impacting my credit score and hindering my ability to apply for a mortgage.

Despite the negative reporting, Chase Bank continues to offer me discounts to pay off the alleged outstanding balance.

I assert that Chase Bank 's reporting is not only inaccurate but also malicious and fraudulent, as it misrepresents the current status of the debt. 

It appears that Chase Bank 's continued reporting is an attempt to coerce me into paying an amount that I do not owe. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the inaccurate and harmful reporting by Chase Bank. I believe this ongoing situation not only violates fair credit reporting practices but also constitutes an unfair and deceptive practice on the part of Chase Bank. 

Enclosed with this complaint, you will find relevant documentation supporting my claims, including account statements and communication records with Chase Bank.

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and impartial investigation to resolve this issue.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
There was a summons left on the address that I no longer live at for a debt that was charged off XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, Truist garnished {$490.00} from my checking account. I filed a complaint with CFPB bearing case number XXXX. On XX/XX/XXXX, Truist responded with a one page letter and photocopied attachments titled " Bank Services Agreement ''. In its response, Truist argues that " the ability to collect these funds is in accordance with Section G.7 of Truist 's Bank Services ... .The current amount due is {$3600.00}. '' While Section G.7 discloses Truist 's right to set off an account without notice at the time of the reset, Truist is under obligation to inform me of the charged off in writing it said occurred on XX/XX/XXXX. Under federal law, Truist must submit prompt notification to the consumer of its intent to charged off and eventually do so. Banking laws pursuant to 1692 et seq. provide that a creditor will usually charge off a debt when a consumer fails to make monthly payments for six consecutive months, at which point the account is closed to future charges, although the consumer still owes the debt. In this case, LightStream recorded my last payment on XX/XX/XXXX in the amount of {$110.00}. Since then, my records show NO EMAILS originated from LightStream to my email box at all. In addition, I received no emails from TRUIST regarding any matters concerning LightStream and the charged off. 
Moreover, under Section 1692, a charged off account occurs when a consumer fails to make monthly payment for six consecutive months. This is NOT the case here. LightStream 's email verify the last confirmed payment was XX/XX/XXXX. XXXX months from XX/XX/XXXX would be XX/XX/XXXX. LightStream 's own evidence proves the charged off was illegally implemented prematurely and in violation of Section 1692 of the Federal Code. 
I have attached two documents : ( 1 ) LIGHTSTREAM COMMUNICATION SCHEDULE XXXX through XXXX and ( 2 ) LIGHTSTREAM PAYMENT SCHEDULE XXXX through XXXX. These documents proved that LIGHTSTREAM 's legal form of communication with me was only by email. 
Although Truist claims that the charged off was on XX/XX/XXXX, LightStream 's last communication to me regarding the account ending in XXXX was on XX/XX/XXXX. The XX/XX/XXXX email was not regarding the charged off. Typically, most financial institutions charge off an account after 180 days, or six months, of nonpayment. Before that time, they may use various methods to remind the borrower of the payment schedule such as calling the individual and sending them letters. In this case, records show that LightStream used NONE these various methods to remind me of my payment schedule ( see attachments ).

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 2023-12-13 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: SC

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-13 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: TX

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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

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 2023-12-13 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX RE : Records are still outstanding to this dispute and act or action of FRAUD. 

To Whom This May Concern : I need a formal written communication letter from Equifax Risk Managements legal department showing that such regulations in the Equifax Risk Management Credit Bureau where they have such rights to impose upon credit cardholders the rights to obtain such Internal Revenue Reports on consumers under Form 4506-C. A Form 4506 has nothing to do with a credit card dispute or a credit file inquiry. If such does produce such regulations stating such.

I too need the Department of Veteran Affairs Form received completed and signed off on under such record verification process. VA FORM XX/XX/XXXX XXXX, I signed off on and consented to receive such records before making a charge to any credit card on file or record. Where are those records under such signed authorization? All records must be dated before charging such a credit card on file and such reporting to the credit bureau as a line of credit extended or authorized by the cardholder. Where are such official and legal records? I need such official records that should show and tell anyone or everyone, that I am responsible for something that I never authorized. Equifax has nothing to do with my Income Tax Return and to have such business in sending me some Form 4506-C. Equifax Risk Management Legal Counsel is requested as requested before to cause this matter that is still not solved to this date. 

These records are still missing from the Consumer Financial Protection Bureaus System in nature to the event and activities conducted from XX/XX/XXXX XX/XX/XXXX under credit card number ending in XXXX. Where there is a charge, there are official and legal records. 

I need these records attached under an official and legal signature from someone in the legal department that you should have by now. I need these records under your next response for the records... 

Sincerely, XXXX XXXX XXXX Customer CC : Legal Review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I contacted XXXX XXXX to determine why they placed an account on my credit report and damage. My report in the account was already paid on XX/XX/XXXX this account was paid in full.

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 2023-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: KS

Complaint narrative:
RoundPoint Mortgage purchased our loan from XXXX earlier this year. The payment process was seamless and our automatic payments continued to be transferred from our account to RoundPoint. No payments were missed or deferred. We can provide all bank account withdrawals as well as payments to RoundPoint. We started to get letters stating we were delinquent/late as well as missing payments. I spoke with a representative regarding the first letter we received and was told that there were some small issues regarding the transitioning from XXXX to RoundPoint but that we were in fact in good standing. We again started getting more letters regarding late payments. We called, emailed, and filled out the contact sections on their site. No response from the emails, no results from the calls, as well as being on hold for long periods of time just to be disconnected. We are being assessed late charges as well as negative marks to our credit hampering possible future loan needs. 

* sorry don't have exact dates of communication

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 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing to express my vehement dissatisfaction with the presence of unauthorized accounts on my credit report, which I believe to be a result of identity theft. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX. I have undertaken the necessary steps to address this matter promptly, reporting the identity theft to relevant authorities and disputing these fraudulent accounts directly with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting a Fraudulent Account on my credit report, XXXX XXXX XXXX XXXX This is a fraudulent account. The address used to open this account is fraudulent address, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX and is blocked because of Fraud by Equifax. So, the account shouldn't be reporting at all. I also have sent several FTC IDENTITY THEFT AFFIDAVITS to have the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX as well as a letter from XXXX XXXX XXXX supporting the fact the account IS a Fraudulent Account and should be removed from my Equifax Credit History. Additionally, there is a fraudulent inquiry made by XXXX on XX/XX/2023, that has been disputed as Fraud several times with an FTC ID THEFT AFFIDAVIT, yet it has still not been removed despite other fraudulent inquiries being removed that appeared on the FTC AFFIDAVIT. I want these items removed IMMEDIATELY!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: SC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I share three bank accounts at Chase Bank with my XXXX mother, we are long time customers with Chase. In XX/XX/2023, two of our three shared accounts were targeted with fraudulent activity so we closed the accounts and opened new ones at Chase. Both of the new accounts, plus the one remaining original account, were targeted with more fraudulent activity. Every safeguard Chase told me they would put into place has been undone by the criminal attacking the accounts. Chase is refusing to return approximately {$2100.00} in fraudulent transactions. Chase has failed to keep the accounts secure and now they will not give us back the missing money despite numerous calls, and numerous trips to meet with the local bank branch. Their inability to stop the fraudulent activity leads me to believe the criminal must be somehow affiliated with Chase as they know how to circumvent all security measures.

Company response to consumer: Closed with explanation