vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: MOHELA
State: NJ

Complaint narrative:
I wrote to Mohela on XX/XX/XXXX regarding a payment I had made that was debited from my checking account and never reflected on my loan balance. I have still not received a response from Mohela aside from an auto response. 

A payment of {$570.00} was made on XX/XX/XXXX and still does not reflect on my account nearly XXXX  months later as of today XX/XX/XXXX. My account not only needs a balance adjustment of this amount but any interest incurred on this amount since XX/XX/XXXX needs to be removed from my balance as well. 

My account is also missing a {$100.00} payment in XX/XX/XXXX that is a payment from my employer via XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Ingo Money, Inc.
State: NY

Complaint narrative:
On XX/XX/2024 I received a XXXX XXXX business debit card in the mail which was issued by XXXX Bank. I did not request this card. My credit is frozen at XXXX, XXXX, and XXXX however in XXXX I see the following soft inquiry which looks related to the fraudulent issuance of this card : XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX I do not wish to activate this card and I want this account closed and all record of it erased.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: LA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-04-16 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: GA

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i received a rug that was wildly different from the website on XXXX. I wanted to return it and theyre telling me I have to pay for shipping. This isnt the rug I ordered and I had an order for a mattress and adjustible base to be delivered but I told them to cancel the orders I do not authorize them and do not want any orders from this company. They are not willing to work with this on me. Ive called Chase to dispute the charges.

Im refusing all shipments from XXXX at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover makes it difficult to access card member agreements. I wanted to see when my introductory interest rate discontinued. The agreement was not accessible online and they force you to call customer service and waste time explaining what you want only to get it mailed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One has provided in accurate information on my credit report and which should be removed. on the month of XX/XX/2023 Theres no information process on the on my report which makes this report an accurate and needs to be removed report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TN

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

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 2024-04-16 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: NY

Complaint narrative:
XXXX XXXX XXXX I reviewed my credit report and noticed this collection reporting inaccurate information on my credit profile which is a violation of my consumer rights. XXXX XXXX XXXX is reporting XXXX  days late payment. 

How is this possible when I've never entered into a payment agreement or contractual agreement with them, furthermore, reporting the payment status as XXXX  days late when by default collections are past due. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: GA

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

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 2024-04-16 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: CT

Complaint narrative:
I just checked again my TransUnion, XXXX and XXXX credit reports and I can see accounts reporting inaccurately. Please see attached file below

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 2024-04-16 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: CT

Complaint narrative:
I just checked again my XXXX, Experian and XXXX credit reports and I can see accounts reporting inaccurately. Please see attached file below

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 2024-04-16 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-04-16 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: FL

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

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 2024-04-16 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: KY

Complaint narrative:
I sent a dispute to equifax about information that was incorrect on my credit report, and they did not fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be 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 explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank sent an invitation to apply. I acted in reliance on their promise for a rewards program. I opened my account instantaneously, but could never use the card. Every time I call, they say my account is " under review ''. There is an rewards offer of needing to spend {$4000.00} in 3 months. It's been over XXXX month, still no news. I contacted them again, they locked my account instantaneous on the grounds that my number does not match public records. I checked XXXX immediately, and it is the same number I gave them. So, they either denied me of service on discriminatory basis, OR they obtained " public records '' via illegal means.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: CL Holdings LLC
State: GA

Complaint narrative:
I XXXX XXXX XXXX recently reviewed my credit report and notice I had fraudulent and inaccurate accounts on my report. Please remove this account from my report. This is hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
On XX/XX/XXXX I submitted a complaint for information on my credit that is a violation of my rights and consumer law. 

Transunion responded and did not correct this on XX/XX/XXXX. They are willfully non compliant and violating and this is my last attempt before litigation to have this resolved They are reporting the account XXXX With a late payment for XXXX. This is a billing error under 15 USC 1666b. 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 days a consumer agency cant report without my written consent or permission The XX/XX/XXXX payment needs to be corrected to show current

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 2024-04-16 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: KY

Complaint narrative:
I have made multiple request to have XXXX, XXXX XXXX, XXXX and the XXXX accounts from XXXX removed from my credit report as it is reporting a charge off that is damaging my credibility. 15 USC 1681e ( b ) clearly states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. Well according to the IRS, canceled debt ( chargeoff ) is gross/ordinary income. Income DOES NOT get reported on a consumers report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: LA

Complaint narrative:
On XXXX 2023 I disputed this incorrect inaccurate information. According to 15 USC 15 USC 1681 eb / E ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates consumer reporting agency. I have attached documents as proof of Equifax, XXXX and XXXX XXXX violation of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Attn CFO : Attn. Chief Compliance Officer Account # XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX and TransUnion consumer report, and I noticed some late payments furnished on my consumer report : List of the accounts with late payments along with their account numbers. 

XXXX OPEN LATE PAYEMENTS XXXX CLOSED ACCOUNT LATE PAYMENTS Late payment status reporting inaccurately Update this non metro two compliant account to paid as agreed because the Date Last Active : XXXXXXXX XXXX XXXXXXXX Transunion XXXX XXXX reporting inaccurately and inconsistently with all three consumer reporting agencies.

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 2024-04-16 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: TX

Complaint narrative:
Experian has violated my consumer rights I submitted a complaint on XX/XX/XXXX. They replied on XX/XX/XXXX that it would be XXXX XXXXays. 
Today is XX/XX/XXXX. I have not received anything about the error on my report. 

The XX/XX/XXXX late payment on the XXXX account needs to be updated to current I will be seeking litigation if this is not corrected as it is causing defamation of my public appearance 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 states a consumer agency has to have written consent 15 USC 1666b states a creditor cant treat a payment on a credit card as late See attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: TX

Complaint narrative:
I am having issues with IQ Data International License # XXXX. They are reporting inaccurate information on my credit report that is severely hurting my credit. I asked several times to remove this inaccurate information and they still refused. I also researched this company and found they have no license to operate in my state of Texas. 

I also asked XXXX to investigate and they replied with a generic response that they did the investigation and the information was accurate. However, this company is not even licensed to collect debt in Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
[ Note : I'll upload a XXXX of this in case the formatting gets lost. ] Chase is in breach of contract for ignoring many requests over the past few months for a {$250.00} reimbursement for my XXXX arbitration fee. The details are as follows : XXXX. Around XXXX, XXXX requested a {$250.00} reimbursement for my XXXX arbitration case via Chases XXXX XXXX. I quoted the relevant part of Chases Cardmember Agreement in support of my request. 


XXXX. On XX/XX/XXXX I sent another message through the online portal stating it has been over XXXX weeks since I requested a reimbursement. 


XXXX. On XX/XX/XXXX I sent a third request for a reimbursement. 


XXXX. In my mail correspondence with Chases XXXX department, which they received and signed for on XX/XX/XXXX, I informed them that I will be assessing a {$100.00} late fee per day for each day they fail to reimburse my {$250.00} XXXX arbitration fee, including holidays and weekends. 


XXXX. Chases XXXX department did not respond. 


XXXX. On XX/XX/XXXX I sent a fourth message through the online portal stating it has been over 3 months since I first requested a {$250.00} reimbursement for the XXXX arbitration fee. 


XXXX. I included the following statements in my online portal message : Additionally, I mailed some documents to your legal department, which were directly related to the open arbitration case. In my correspondence, I informed your XXXX department that for each day Chase withholds my reimbursement, I will bill you an additional {$100.00} per day ( including holidays and weekends ). 

Your legal department received and signed for this parcel on XX/XX/XXXX. 

Chase currently owes me {$250.00} plus {$800.00} in late fees and a {$300.00} administration fee. For a total of {$1300.00}. 

XXXX. I received an automated response stating someone would get back to me within XXXX business days. 


XXXX. Today is the XXXX business day, allowing for a complete XXXX business days between the day I sent it and today. 


XXXX. Chase did not respond. 


XXXX. To date, Chase currently owes me a {$250.00} reimbursement plus {$1300.00} in late fees plus a {$300.00} administrative fee. For a total of {$1800.00}. 


Without prejudice, XXXX : XXXX, beneficiary

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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:
In accordance with the fair credit reporting act XXXX XXXX and XXXX account # 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received an Amex Gift Card and activated it as required before it could be used. The Amex website portal XXXX XXXX XXXX XXXX XXXX XXXX ) shows a balance. I have attempted to use these funds with various online merchants such as XXXX and XXXX ( using {$1.00} less than the face value of the card ). And all the transactions have declined. I then tried again with various other amounts less than the full face value with no success. Many people have reported having this problem starting this past year. I submitted a prior complaint and AmEx 's response is that because there was a pending transaction they could not issue a check for the funds. The attached documents show no pending transactions on the gift card.

Company response to consumer: Closed with monetary relief