vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Remaining balance of {$2200.00} has been on my credit for over a year, for a vehicle that will never be driven again because it was totaled. I want it removed asap because it shows up as a repossession which puts me at a halt to get other vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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:
This account is not my account. At the time of this account being opened I was incarcerated. Someone must have opened an account in my name. This information is reporting on my account and it is not mine. They would not adhere to the law. 

XXXX XXXX XXXX XXXX Account Number:XXXX Amount : {$520.00} I sent a debt validation letter on XX/XX/year>, it has been thirty days. The company has not responded.

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 2024-03-28 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: OH

Complaint narrative:
IN XX/XX/year> I GOT AN EMAIL STATING THAT ON XX/XX/XXXX AND XXXX FROM TRANSUNION OF INQUIRES OUT OF NOWHERE THEY SAID THROUGH XXXX XXXX WHO HAS NO KNOWLEDGE OF THE INQUIRES WHEN THEY CHECKED YET ITS ON TRANSUNION I ASKED TRANSUNION TO DELETE THESE FRAUDULENT INQUIRES AND THEY SAID THEY WOULD BUT STILL NOTHING MONTHS LATER.I WANT THESES INQUIRES REMOVED IMEDIATELY FROM TRANSUNION REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is XXXX and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is XXXX  reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-28 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: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account XXXX : XXXX. XXXX XXXX ( Original Creditor : XXXX COMMUNICATIONS ) Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Original Creditor : XXXX  XXXX XXXX A ) Account Number : XXXX, and so on.

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 2024-03-28 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: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX A ) Account Number : XXXX, and so on.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: WI

Complaint narrative:
I have consistently maintained punctual payments on this account, ensuring they are never overdue. The reasons for the reported late payment remarks on my accounts are unclear to me. In accordance with XXXX XXXX XXXX - Billing Error, corrections should be made.

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 2024-03-28 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
NAVIENT has been my loan servicer for close to or over 20 years. I have been under XXXX all this time. I have always supplied my repayment plan paperwork along with the REQUESTED INCOME DOCUMENTATION. Navient as well as the other servicers request that since I am married, file taxes jointly with my spouse and spouse also has student loans, I AM REQUIRED TO SEND IN MY XXXX. THIS HAS BEEN DONE YEAR AFTER YEAR. 


XX/XX/XXXX I was due to recert of XXXX plan. 

Filled out the same form with joint XXXX to ALL my servicing lenders ( NAVIENT, XXXX and XXXX ). Navient calculated {$79.00} per month while the others were {$0.00}. 

I called them in XX/XX/XXXX to inquire about this issue of why they did not give me the same IDR as they other XXXX lenders. They told me to upload the correct documents and a new form and Navient would recalculate the monthly payment. This was uploaded XX/XX/XXXX. I went back into the Navient systems and entered my secured inbox and noticed that my uploaded form and supporting documents were deleted. So on I called the customer service number XX/XX/XXXX and received a lady who was working from home and did not have the ability to pull or inquire about the documents uploaded into the Navient system,. 

This representative issued a temporary forbearance so that I could resubmit the XXXX form and the joint XXXX documents so that NAVIENT could ONCE AGAIN RECALCULATE my payment. This was done AGAIN, this time I took screen shots of the successful document upload along with documents waiting to be pulled. 

XX/XX/XXXX I entered the NAVIENT system AGAIN and saw that the forms WERE NOT PROCESSED AGAIN. I called the customer service number and spoke to XXXX. She told me that I needed to supply MY MONTHLY INCOME and NOT THE XXXX JOINT FILING AND THEY WOULD THEN RECALCULATE MY AMOUNT! I uploaded my SSA award letter stating my monthly amount of {$990.00} income along with the form ONCE AGAIN, took screen shots again. Later in the day on XX/XX/XXXX I received a communication from NAVIENT stating " WE'RE UNABLE TO PROCESS YOUR INCOME BASED REPAYMENT PLAN RECERTIFICATION AT THIS TIME. '' I also received a letter from XXXX who is the authorized agent for NAVIENT stating that I am over 60 days delinquent. I am not delinquent, I am upholding my financial agreement with supplying them with my forms and supporting documents. NAVIENT is and has had multiple law suits and issues with posting payments and processing paperwork for their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet XXXX of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, XXXX me into a XXXX maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Venmo is a scam company. The XXXX was sued and shutdown for the EXACT same tactics which venmo exercises. I have {$1000.00} in my Venmo account. All I did was I went to withdraw my money and they instantly suspended my account and requested ID verification, after I verified my ID they promptly " permanently deactivated my account '' and said they will " hold my funds for 180 days '' these are tactics of thieves and scammers Venmo needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: FL

Complaint narrative:
I was attempting to buy a shed from an online retailer ( https : XXXXXXXX XXXX  ). The charge was from XX/XX/XXXX. The merchant is " XXXX '' and the amount is {$590.00}. Within minutes after the transaction went through, I realized that the website was illegitimate because I didn't receive an order confirmation email and I attempted to contact their customer support ( which does not exist ) and realized what happened. 

I immediately ( on the same day, minutes later ) contacted Chase while the transaction was still pending, to catch and cancel it as quickly as possible. The Chase representative I spoke to mistakenly opened this incident as a fraud investigation, when it should have been classified as a dispute. The fraud investigation closed and found me liable because no fraud was committed and told me it should have been opened as a dispute case from the beginning. 

From that point on, Ive had a very poor experience trying to figure out the next steps. Ive called Chase several times for next steps and have received conflicting and confusing information from the support representatives, which has caused this process to be lengthy. I spoke to a supervisor of disputes recently and they had said they opened a new case which was to be a Chase liability case since dispute was no longer possible. Then on XX/XX/XXXX I called again to follow up and was informed that I need to upload a letter to begin this process. Ive also been made aware that typically this dispute must happen within 180 days, but due to the communication and other issues Ive experienced with support, I'd like this situation to be considered as an exception and for this charge to be re-evaluated as a dispute. 

In mishandling this dispute, I believe Chase has violated the XXXX Credit Billing Act. 

Thanks very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX  say they are XXXX XXXX XXXX XXXX is on my credit report all three of them ( XXXX, XXXX XXXX ) saying that i have an open balance of XXXX and no one can give me the exact date the debt the breakdown of the debt of whats owed line by line or any of the contract information. Now theres this other company XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) who has a company called Dynamic Recovery calling and texting me.. 

Also, XXXX currently with XXXX as my cell phone company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: NC

Complaint narrative:
I have previously notified the bureaus that I am a victim if identity theft, and yet they continue to let fraudulent items be added to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have consistently maintained timely payments for my account and have never missed a payment deadline. It is distressing to see such an error on my credit report, as it impacts my creditworthiness and financial reputation.

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 2024-03-28 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Also it was a 0 % apr for 12 months yet they closed my account out of nowhere due to no fault of my own ei missed or late payments overuse etc. as soon as they closed it the balance increased by about XXXX dollars for interest even though they closed it before promo ended and still charged me. Not to mention they could not explain what I had spent the card on and when. Also could not give any explanation why all cards from XXXX were closed just said high risk even though I had about XXXX worth of credit with them and only had a balance of about 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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Also it was a 0 % apr for 12 months yet they closed my account out of nowhere due to no fault of my own ei missed or late payments overuse etc. as soon as they closed it the balance increased by about XXXX dollars for interest even though they closed it before promo ended and still charged me. Not to mention they could not explain what I had spent the card on and when. Also could not give any explanation why all cards from XXXX  were closed just said high risk even though I had about XXXX worth of credit with them and only had a balance of about XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
on XX/XX/XXXX they charged me {$39.00} for a reverse payment and I checked my bank account and I had enough money to cover my statement so I don't know what happened but they refuse to refund me the {$39.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief