vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I applied for a loan several months ago which was denied. Since then loan solicitors harass me 20 times per day. I usually hang up. I believe one of them used my info for fraudulent inquiries which I did Not authorize. This is the second time this has happened. 

The 3 most recent occurred on XX/XX/23 from XXXX XXXX, Ally Financial, and XXXX XXXX on XX/XX/23 there were 2 occurrences from XXXX XXXX, and XXXX XXXX  I believe all 5 of these inquires are due to solicitors who are upset that I refuse their calls or hang up on them. 

I am requesting all 5 be removed from my all of my reports and I would also like to file a fraud case pending an investigation

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 2023-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA

Complaint narrative:
I submitted a forbearance request on XX/XX/2023 due to unable to pay payments. I put XX/XX/2023 as my start date and needing forbearance now. They sent me an email on XX/XX/2023 that I needed to change the start date because it wasnt meaning for ( now ) that it needed to be backdated. The email I have from ECSI says I have until XX/XX/2023 to change that date. On XX/XX/2023 I went to submit that change ( no decision had been made on my forbearance ) yet as I had until XX/XX/2023. The site did not allow for change, and I had called ECSI. They said they gave it to the debt collector and couldnt take it back. I called the debt collector and they did not have my info yet. I recalled ECSI ON XX/XX/2023 and they said even though they told me I had until XX/XX/2023, that it can not be taken back once its been sent off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE 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 2023-08-30 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: NE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JPMorgan Chase Bank regarding their refusal to refund fraudulent charges made to my credit card. I am deeply concerned about the lack of assistance and cooperation I have received from the bank, and I am seeking your intervention to resolve this matter promptly. 

On XX/XX/XXXX, I discovered several unauthorized transactions totaling {$1600.00} on my Chase credit. I promptly reported the matter. In response, Chase 's customer service initially issued a refund. However, this resolution took a sudden turn on XX/XX/XXXX, when the refund was unexpectedly revoked. Despite my inquiries with customer service, no explanation was provided for the withdrawal of funds from my account. 

The abrupt reversal of the refund has been perplexing and concerning. 

My efforts to resolve this situation through Chase 's internal dispute resolution mechanisms have yielded no satisfactory outcome. These fraudulent charges have taken a toll on my financial stability. I firmly believe that I am entitled to a complete refund in accordance with both federal regulations and Chase 's internal policies. 

In light of these developments, I am seeking the assistance of the Consumer Financial Protection Bureau to mediate this dispute. 

I am earnestly requesting a comprehensive investigation into this matter. Your involvement is paramount to rectifying this issue and ensuring the reinstatement of the {$1600.00} refund for the unauthorized charges on my credit card. I am optimistic that your intervention will result in a just and expeditious resolution. I value your attention to this case and anticipate a swift response. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Credit Alert Derogatory Account Reported By Allied Collection Serv Reported On XX/XX/XXXX Account Balance {$1200.00} original phone call XX/XX/XXXX. on the same day went to they office. they have failed to provide communcation statement, my account associate with the debt, an itemization of current amount interest, fees, payments and credits since a particular date. and information ath i can reply to debt collector. i have called 4 more times on the same day since their office has failed to provide above documents. allied collection serv has not mail me updated document as of today XX/XX/XXXX. 
i have my over a dozen phone calls request the same documents during the period. i have been told all different story about the documents, i have been hang up multiple times. they will not be able to explain the debt.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate account information that is being reported on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing sections 602, 604 ( A ) ( 2 ), and 1666B of Title 15 USC.

Under 15 USC 1681 section 602, I have the right to privacy regarding my credit information, ensuring that it is accurate and reflective of my financial history. 15 USC 1681 section 604 ( A ) ( 2 ) further emphasizes that a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. 

Upon reviewing my credit report, I have noticed discrepancies that are in violation of my rights under the FCRA. Specifically, I am concerned about late payment notations on certain accounts. According to 15 USC 1666B, creditors are prohibited from treating a payment on a credit card account as late under any open end consumer credit plan, for any purpose. 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 non-monetary relief
Consumer complaint received 2023-08-30 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate account information that is being reported on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing sections 602, 604 ( A ) ( 2 ), and 1666B of Title 15 USC.

Under 15 USC 1681 section 602, I have the right to privacy regarding my credit information, ensuring that it is accurate and reflective of my financial history. 15 USC 1681 section 604 ( A ) ( 2 ) further emphasizes that a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. 

Upon reviewing my credit report, I have noticed discrepancies that are in violation of my rights under the FCRA. Specifically, I am concerned about late payment notations on certain accounts. According to 15 USC 1666B, creditors are prohibited from treating a payment on a credit card account as late under any open end consumer credit plan, for any purpose. See Attachments...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-30 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: MD

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-30 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: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: WV

Complaint narrative:
That called asking for myself I didn't agree and that wouldn't tell who it was and what it was for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CO

Complaint narrative:
Payment is not showing up on Account history after XXXX weeks. When I called to inquire, a recording told me the wait would be over XXXX minute. Today is XX/XX/2023. 

Furthermore! that was not even the first time I called the first time I called the number provided a recorded voice that we meant to be mistaken for a person started trying to sell me some medical device. Someone or some group is clearly trying to prey on the elderly and confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
this company XXXX XXXXXXXX XXXX unlawfully listed an account on my credit report stating it belongs to me with no proof. They reported it as a COLLECTION!! They have failed multiple times to provide me with and validation when I have requested it by phone and email and they need to remove this account immediately as this Is stopping me from being able to expand my business. Please help them to respond and remove this account as soon as possible thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this company source XXXXXXXX XXXX unlawfully listed an account on my credit report stating it belongs to me with no proof. They reported it as a COLLECTION!! They have failed multiple times to provide me with and validation when I have requested it by phone and email and they need to remove this account immediately as this Is stopping me from being able to expand my business. Please help them to respond and remove this account as soon as possible 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 2023-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Due to identity theft, I have asked for validation of the alleged debt you claim I owe. However, your provided statements and signatures lack proof of ownership, infringing on my consumer rights as defined by the Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 ( g ) " Failure to validate this alleged debt. '' I am withholding payment until proper validation is furnished. Kindly suspend all collection activities until valid debt validation is presented, in accordance with 15 USC 1692cI.

Should valid validation not be received within 30 days, I will deem the debt invalid, necessitating the account 's deletion and cessation of collection efforts. Moreover, your authority to collect on this debt, given its identity theft origins, is questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: DE

Complaint narrative:
The is for my Fortiva Financial Credit Card I have.I currently have 2 credit cards from fortiva which are XXXX and my XXXX.My problem is, I always had made my payments on time.It seem like everytime I call to make a payment, they tell me I am late.They always tell me I need more money than I know is due.Its gotten to the point where I have lost all hope with these people and have decided to see about working an arrangement of some sort with the Financial Company, and nobody wants to help me rectify the issue.There is such a language barrier when communicating with the company, that I can't make head or tail by what is being said.Please don't take me saying this as being insulting because I believe everyone should have the same opportunity as I in this country. My concern is how I am receiving the information from the customer service reps.I don't have time to sit on the phone and say over and over again " what did you say'.This becomes frustrating. All I want to do, is pay my bill and get the right information when I call.My credit is suffering greatly due to their negligence.I make plenty of money to afford my bills, I however can't afford extra fees on top of my balance because I can't understand anyone to the point of getting my account under control to know exactly what the balance is and when the next payment is due. I DONT EVEN GET A BILL HALF THE TIME.Please I need someone to call me and straighten this out. My word and my credit is on the line, and it is for all the wrong reasons. It's not that I can't pay my bill, it that I keep getting the wrong information everytime I call.Thank you.

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 2023-08-30 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: MS

Complaint narrative:
i am a victim of identity theft, please review my documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit balances were not updated after EXPERIAN recieved info with updated balances. 

ALL attempts to contact an agent, or resolve the dispute with updated balances were snubbed.

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 2023-08-30 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: DISCOVER BANK
State: GA

Complaint narrative:
I am submitting this complaint to DISCOVER BANK due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-30 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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-08-30 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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief