vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Card was paid on XXXX with {$1500.00}. This card has declined from XXXX until XX/XX/year>. When we called Chase they said it takes a while for the payment to be applied. We paid on XXXX and can't use the card even up to XX/XX/year>. That's deceitful. They show payment was made and applied on XXXX but won't take hold off card and can't explain why other than saying it takes a while to be applied when they show it's applied on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: SC

Complaint narrative:
All hard and soft inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXHard and soft inquiries Name is incorrect XXXX XXXX XXXX date of Birth is not XXXX the Correct date of birth is XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Late payment reporting A financial institution may not disclose nonpublic personal information to a nonaffiliated third party

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 2024-02-11 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: SC

Complaint narrative:
All hard and soft inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXXHard and soft inquiries Name is incorrect XXXX XXXX XXXX date of Birth is not XXXX the Correct date of birth is XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Late payment reporting A financial institution may not disclose nonpublic personal information to a nonaffiliated third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
I '' ve sent out several debt collection validation letters to Security Credit Services to the address the company provided on my XXXX and XXXX XXXX credit report. The letters came back as return to sender. This is a violation of the FCRA. All information reporting must be accurate and correct. I have requested and still requesting that is collection be deleted promptly from my XXXX and XXXX XXXX credit report and that I am compensated for this violation that adversely affecting my credit worthiness. I have attached proof of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX is reporting 10 inquiries on my report that are fraudulent. Ive never had accounts with these businesses and where have I requested to open accounts with these businesses Ive disputed them dozens of times and they keep mailing back saying that they were accurate but when I asked for the information and determining The decision they never comply and send it but the letters state that I have the right to request this information but i never received anything only letters saying that my disputes are frivolous. Its very frustrating because I feel like Im at the point Im being discriminated against because they dont want to do their job that theyre paid to do which is investigate each inquiry.

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 2024-02-11 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: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
NETCREDIT made false statements to the CFPB on this day of XXXX, Saturday.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: NY

Complaint narrative:
I called XXXX XXXX on XX/XX/2024 XXXXXXXX XXXX told me that their Collection agency ( XXXX XXXX ) take care of my issues, they no longer have my account!! 
I then called XXXX XXXX the same day, XXXX ( XXXX ) told me they no longer have my account, my account was Canceled/ no Collections!! 
Will send me a Email!! 
Stating information of Cancelation!!

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 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I have a TD bank double up credit card. Until sometime back their auto pay setup feature was not working and therefore I setup a reminder to receive a text 2 days before the payment is due. 
I am always diligent in making payments.ontime and have been doing so for this card and all other cards on my account. 

For this transaction cycle XXXX to XX/XX/2024. 

This time I had large purchase on this card. However I did not receive a text notification reminding me of the due date and the balance due on the account as expected XX/XX/2024. As I have been receiving in the past. 

When I checked next day, bank had charged late fee and interest on the payment. Later I observe that they setup the auto payment feature and asked you to e sign an agreement before text services are enabled. 
I believe they disabled text service on purpose and charged interest and late payment fee and find it unscrupulous practice. 

I will try and reach out to them but just posting it here as they have been very unfriendly in the past in admitting error on their part. I will close this account after clearing the balance this time and never deal with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-11 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: SC

Complaint narrative:
Per the 1974 privacy Act it concerned me that I had to dispute several time to have my personal information updated to my current address and phone number ; XXXX, XXXX, and Experian violated my privacy by revealing several addresses, phone numbers, and inquiries ; More importantly, XXXX has not corrected the issue concerning my personal information. Furthermore, I believe this is willful negligence on behalf of each reporting agency!! In addition, I'm afraid my personal information could have be open to Identity theft.

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 2024-02-11 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 reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/year> of an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late in the last 2 years on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-02-11 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2023 of an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late in the last 2 years on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I have disputed through XXXX XXXX, XXXX. It comes back accurate for this account through PORTFOLIO RECOV ASSOC. Account # XXXX Amount {$1900.00}. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting XXXX XXXX XXXX to provide documentation and or contract with my signature on this debt and they have not responded. This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo will charge fees for paid-off {$0.00} balance lines of credit, basically holding the customer 's credit score hostage. Either you pay their fee for something that is not being used, or have your credit score affected.

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
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX Dear Transunion, I have the following information on my credit report that doesnt have permissable purpose according to teh FCRA Fair Credit Reporting Act. Anything furnished on my credit report must have permissable purpose according to 15 USC 1681B. Here ae the following hard inquires : Delete following inquiries due to violation of 15 USC 1681B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I '' ve sent out several debt collection validation letters to XXXX XXXX XXXX to the address the company provided on my Equifax and XXXX XXXX credit report. The letters came back as return to sender. This is a violation of the FCRA. All information reporting must be accurate and correct. I have requested and still requesting that is collection be deleted promptly from my Equifax and XXXX XXXX credit report and that I am compensated for this violation that adversely affecting my credit worthiness. I have attached proof of my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: EdFinancial Services
State: VA

Complaint narrative:
EdFinancial states since they moved to a new system, payment history is no longer available. I used the online form to request payment history. How is it ok to erase 20 years of payment history?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX intend to initiate civil monetary penalty proceedings against XXXX XXXX  XXXX and Experian pursuant to 15 U.S. Code1681s2 for furnishing information with actual knowledge of errors and for reporting inaccurate and incomplete information with violations which may constitute a pattern or practice of noncompliance.

This message serves to request a manual review of the evidence and if shown to constitute and unfair or deceptive act or practice in commerce to escalate this issue for enforcement by the Federal Trade Commission.

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 2024-02-11 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: MO

Complaint narrative:
Transunion was contacted multiple times to remove the fraudulent account from XXXX XXXX XXXX amd my final attempt to have the information removed as my right under FDCPA

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 2024-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as open, but also as having past due balance of {$2400.00}. This is a violation of FCRA and is in violation of requisite XXXX compliant reporting standards. 

According to fair credit reporting act I have a right to completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed union completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IN

Complaint narrative:
There were three personal student loans disbursed to me in XXXX from XXXX for {$11000.00}. I settled with XXXX and had all three paid off by 2014, documented in my records. 

The student loans reappeared on my credit report after the Dept. of Education " bought '' these settled loans. Since then my taxes have been garnished and my loans moved from servicer to servicer. Everytime I call the response is, there is an overwhelming call volume, and disconnected call. 

I have continued to call and send letters to have these loans removed. I have contacted all three credit bureaus, the CFPB, studentaid.gov, XXXX XXXX, Nelnet and XXXX XXXX. I have sent irrefutable proof, documentation and payment records. Then there will be a pending investigation, then no response. Next, I realize that the loans have " moved '' to another servicer. 

Now to round out a very long story my loans have been duplicated on my credit report from NELNET and XXXX. Now there is over {$30000.00} in student loan debt on my credit report. I disputed through the Credit Bureaus and they refuse to remove them. THIS IS DELIBERATE FRAUD FROM NELNET AND XXXX AND NEEDS TO BE RESOLVED IMMEDIATELY. 

All 6 loans need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: IN

Complaint narrative:
There were three personal student loans disbursed to me in XXXX from XXXX for {$11000.00}. I settled with XXXX and had all three paid off by 2014, documented in my records. 

The student loans reappeared on my credit report after the Dept. of Education " bought '' these settled loans. Since then my taxes have been garnished and my loans moved from servicer to servicer. Everytime I call the response is, there is an overwhelming call volume, and disconnected call. 

I have continued to call and send letters to have these loans removed. I have contacted all three credit bureaus, the CFPB, XXXX, Edfinancial Services, XXXX and XXXX XXXX. I have sent irrefutable proof, documentation and payment records. Then there will be a pending investigation, then no response. Next, I realize that the loans have " moved '' to another servicer. 

Now to round out a very long story my loans have been duplicated on my credit report from XXXX and EDFINANCIAL. Now there is over {$30000.00} in student loan debt on my credit report. I disputed through the Credit Bureaus and they refuse to remove them. THIS IS DELIBERATE FRAUD FROM XXXX AND EDFINANCIAL AND NEEDS TO BE RESOLVED IMMEDIATELY.

All 6 loans need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my credit report I come to find out XX/XX/XXXX a request to remove a personal statement that I am a victim of fraud and identity theft and that I should be contacted at phone number XXXX and they removed it XX/XX/XXXX I never requested that that needs to stay on my report for the duration of my life there's a data breach plus someone tried to steal my title to my home and I am a victim of identity theft and they remove that not at my request I tried to put it back on there it's not allowing me to do so and this needs to be put back on my credit report please note also TransUnion is the one that's doing this and transunion has also put a supplemental statement given the description of my property location a whole bunch of unnecessary information that's what I asked them and requested for them to remove which is my right and Dad they removed the identity theft part so I am beginning to feel like TransUnion one of their employees or somebody is in on identity theft and fraud those things have never been on my report as far as a description of my home that I purchase and an alert is on there that no credit is to be given until you contact me and verify that an account can be open they took that off I left me wide open I'm already a victim my mortgage company offered me special monitoring because of the data breach but I have been a victim of identity theft prior to that and now somebody has stolen my title to my home and my tax papers and all kind of things so this needs to be put back on my report they keep giving me the runaround I request credit reports they don't want to send them to me now they got me blocked out of my account I can not even get in or log in to see my credit report not the school just the credit report they're not allowing me to do that they're not allowing me to do anything. I tried communicating with these people to resolve this multiple times they're refusing to assist and they have remove essential information that will protect me as a consumer which is in violation under the Fair credit reporting act fcra please assist

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