vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) and ( FDCPA ), specifically section 1681. I have identified the following potential violations : 1. Violation of FCRA Section 1681 ( a ) ( 1 ) ( A ) : I have not received proper notification of the inclusion of this charge-off account on my credit report. According to this provision, consumers must be notified of any adverse information in their credit reports.

2. Violation of FCRA Section 1681 ( a ) ( 2 ) ( A ) : I have not received a copy of my free annual credit report once every 12 months, as required by the FCRA. 
3. Violation of FCRA 15 U.S.C 1681 section 602 A. States I have the right to privacy.

4. Violation of FCRA 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

5. Violation of FDCPA Section 809 ( b ) : I have not received written validation of the debt within five business days of your initial contact, as required by the FDCPA.

6. Violation of FDCPA Section 809 ( b ) : A detailed statement of the debt, including the name of the original creditor and the amount owed, has not been provided, as required by the FDCPA.

Please investigate these potential violations and provide a written response within 30 days, in accordance with the FCRA. 

In accordance with de Fair Credit Reporting act convergence accounts, has violated my rights. : 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 2023-11-03 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: IL

Complaint narrative:
Please review the enclosed documents ; the personal information you are reporting does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: PA

Complaint narrative:
On XX/XX/XXXX, I tried to pay off my student loan in full. For multiple days, the account balance read {$0.00}. 

Not until an email from XX/XX/XXXX saying I had a late payment did I learn that the payment was reversed. 

I never received any email telling me that the payment was reversed or why. 

Now, today, XX/XX/XXXX, I am trying to figure out why this is, and I have been hung up on multiple times by Edfinancial Services customer service. 

This is incredibly frustrating and I have accrued interest on my loan because I thought it was paid in full. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I filed a complaint with XXXX in XX/XX/2023 about a loan taken out in my name that I did NOT take out or receive any money. They then decided to give the person ( s ) another lone in XXXX. I have tried to call. I file a complaint. No acknowledgement from XXXX or the Arizona school regarding the documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} XX/XX/2023 {$4900.00} I do NOT has any children attending school in Arizona. 
I have NEVER applied for student loans for either myself or any of my 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 2023-11-03 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: IL

Complaint narrative:
Take a look at the attached documents ; the personal information you are reporting does not pertain to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please review the enclosed documents, and initiate an inquiry into the accounts where I am consistently on time but are incorrectly marking me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please review the enclosed documents, and initiate an inquiry into the accounts where I am consistently on time but are incorrectly marking me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: Self Financial Inc.
State: AL

Complaint narrative:
The account is closed and they are still sending emails and reporting negatively on my credit report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX is reporting a delinquency from Portfolio Recovery. The first day of delinquency is incorrect. The information is old and should be removed, however XXXX system will not allow me to dispute it. Portfolio Recovery has not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: SC

Complaint narrative:
Equifax is reporting a delinquency from XXXX XXXX. The first day of delinquency is incorrect. The information is old and should be removed, however Equifaxs system will not allow me to dispute it. XXXX XXXX has not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy, 15 U.S.C, 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
XX/XX/2023 I'd contact the property manager at XXXX XXXX XXXX, 2nd attempt to gain insight. I left my information for someone to contact me. I spoke with a general manager gave him my social and name he confirmed that I never lived at that residence nor have I applied. 

The amount that is owed {$9700.00}, I've contacted the collection agency as well to ask them for proof, I did not receive any information. 

I would like this removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I used the USAA XXXX XXXX XXXX to book a rental car on XXXX XX/XX/2023 for a trip to XXXX, RI from XXXX XX/XX/2023. The total charge was {$590.00}. 

The rental was fully cancelled on XXXX XX/XX/2023 with USAA, XXXX days prior to the start date of the rental and well prior to the final date allowed for the rental cancellation. 

Upon return from the trip, the rental car charges were still showing on my USAA credit card account ending in XXXX and I placed a dispute with USAA. A temporary credit was posted to my credit card account and was later reversed on XXXX XX/XX/2023. 

Multiple calls and letters have been filed with USAA over a XXXX period to get the charge reversed to no avail, with the last request submitted to USAA on XXXX XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX an identity fraud took my driver license and went to a Chase branch in XXXX to perform an unauthorized wire transfer. They were able to issued {$18000.00} out of my checking account plus added {$40.00} fee including wire transfer fee and card replacement fee. The impersonator was able to do that with just a driver license without an account number or debit card. I filed a claim with Chase as soon as I saw the suspicious activities through email. I also worked with the local police department and they started their investigation. 

Chase claim department denied my claim in a week, they said due to the lack of evidence. Since then I have tried to fax them information about my whereabouts to prove that this is an identity theft case. After multiple attempts of faxing them the documents, they said they do not need this but a police report. I got the police report from the detective on XXXX. Since then, I have tried to fax the Chase claim department the report but they gave me the wrong department fax number every time. I have tried at least 10 times on faxing them the report after spending hours on customer service. Finally I was able to speak to a supervisor on the claims department and he direct me to the right fax number and mailing XXXX XXXX XXXX XX/XX/XXXX. This time they received the report electronically and in mail. Today when I call back to ask for the status of the claim, they told me the claim is denied again and there is nothing they can do to recover my funds even the police report has stated that this is an identity theft case and also I have a XXXX case with the state police. Not only they denied my claim, when I tried to inquired further, they hung up on me.

Since the claim was opened with Chase, I have spent many hours speaking with customer service, running around to local banks, getting stressed about whether they received the fax or not. They often route me to the wrong department over the phone and have told me a wrong fax number many different times. They denied my claim base on that was a valid ID and the Chase branch was within 30min from my home location. Despite I have evidence from both XXXX and the Police that it's identity fraud. It's not my fault that the identity theft took my ID and did fraudulent activities. I should not take the loss, Chase should have a better fraud prevention at the first place. They didn't require a second identification despite the large amount of wire transfer. Also the woman shown in the surveillance footage does not resemble me other than we are both XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03 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: NJ

Complaint narrative:
I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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:
I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
This company, PHOENIX FINANCIAL SERVICES, is charging me for an old debt that they assumed from an XXXX company. 
The XXXX. XXXX XXXX assumed payment of, and processed my claim for the XXXX service. 
Even after filing two disputes through XXXX, PHOENIX FINANCIAL SERVICES, seems to ignore my statement, shows no evidence of investigating my claim, and in response, simply rebills me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: MI

Complaint narrative:
I sent all required documents to this company for the removal of these fraudulent accounts on my report including police reports and documentation from the police stating that these accounts where fraudulent and still have no resolution or items removed from my credit report attached to this message is police reports police verification from the police department and all supporting documents including most recent bill my identification and letters to the company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: NJ

Complaint narrative:
There is an account called XXXX XXXX XXXX that's on my credit reports which I can not identify doing any transaction or business with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the FCRA inquiries are not a matter of fact, you are obligated to verify the information or not reported to your users. Please prove that the creditors has my signature requesting these unauthorized inquiries, or if this is impossible, or unverifiable remove them immediately. Per FCRA 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: NJ

Complaint narrative:
I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: FlexShopper, Inc
State: FL

Complaint narrative:
I fell I'll from work for XXXX months and while payments lapsed in the bank incurred charges insured with addage of increased charge frequencies in amounts more than arranged while no one honored an agreement of {$37.00} only. However addage charges were {$17.00} in addition to the {$37.00} starting on XX/XX/2023 and after speaking with manager and other customer associates ignorance while continually in excess charging my bank account outside of agreement and exhorbant interest where the balance stays the same is continual is common.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover started off as a good credit card but the company started charging outrageous interest rates. More than what I had been charging on the card. I pay the payments faithfully but the interest is extremely high and I can never get the balance down. It's nearly double what it should be. So I find myself paying nearly 3x over to get the balance down. I've frozen my account to stop any unnecessary usage and the interest rate is still high. My limit was also cut and I have no history of late payments according to the customer agent I spoke with. Therefore I feel I've been discrimated against based on my financial demographics and location although I have no late payments with this company.

Company response to consumer: Closed with monetary relief