vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-19 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:
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 3rd party. They in fact did not come from a 3rd 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 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 2024-03-19 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: MO

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 3rd party. They in fact did not come from a 3rd 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 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 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Let me start by saying that my business is a Tax Preparation Office. On XX/XX/XXXX, I got an email out of nowhere from Chase that my business account was closed due to suspected fraud. As far as I can tell, the offending transaction was a refund from the IRS sent to one of my clients under his name for his tax return XXXX and this type of transactions is very common in the tax preparation business, specially when the client request a cash advance from our office .Upon closure, I immediately call the bank and they can not provide any information, just that they will be conducting a review and that I should receive an explanation in the mail, as well as a check with my funds. I went into a physical branch and they say the same. 

It's been almost 30 days later, I still haven't received the check in the mail. So I went back into the physical branch, this time together with my client that I mentioned above to see if someone at the branch can actually verify my client 's identity in person with his passport, social security card, and driver license, but unfortunatley they said no. The only way to verify my client 's identity is providing a telephone number under his name. We even provided a telephone number that we are 100 % sure it was bought by my client under his name, but still the rep on the phone kept saying that the number we provided can not be verified by his system. 

At this time, is almost impossible to get my client 's identity verified by Chase so they can release the funds that they are holding in my business checking account that was closed without a valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
I sent corresondence to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Central Portfolio Control and XXXX XXXX XXXX on XX/XX/2024 requesting that they remove these fraudulent accounts from my report due to identity theft. They have failed to respond or remove the accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: IL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: IL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested.

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 2024-03-19 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: CA

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention a distressing discovery I recently made regarding my credit report. As an older individual who had never actively monitored my credit report before, I have been shocked to uncover evidence of identity theft and unauthorized activity. 

XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 Unfortunately, due to my oversight and lack of vigilance in checking my credit report regularly, I was unaware of this fraudulent activity until now. It deeply troubles me to realize that my personal information has been compromised and misused without my knowledge or consent. 

Upon reviewing my credit report, I discovered several suspicious entries and inquiries that I do not recognize. It has become apparent to me that I have fallen victim to identity theft, and I am deeply concerned about the potential ramifications on my financial well-being and reputation. 

As an elderly individual, I rely on my good credit standing for various aspects of my life, including financial transactions and accessing essential services. The discovery of this identity theft has left me feeling vulnerable and anxious about my future financial security. 

I urgently request your assistance in resolving this matter and restoring the integrity of my credit report. I understand that rectifying cases of identity theft can be a complex process, but I implore you to expedite the investigation and take swift action to remove any fraudulent entries from my credit report. 

Furthermore, I kindly request that you provide me with guidance on additional steps I can take to protect myself from further identity theft and safeguard my personal information moving forward. 

I appreciate your attention to this urgent matter and look forward to your prompt response and assistance in resolving this distressing situation.

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 2024-03-19 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: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that several credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX. Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 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 3rd party. They in fact did not come from a 3rd 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 explanation
Consumer complaint received 2024-03-19 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: NY

Complaint narrative:
XX/XX/XXXX i purchased a prescription from XXXX XXXX was charged twice on cc. I diputed and was given credit, then a month later I get rebilled {$41.00} WITHOUT EXPLANATION and hope that I would not see it buried among my charges Vert surreptious and cunniving!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-19 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: AR

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 3rd party. They in fact did not come from a 3rd 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 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 2024-03-19 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I called and requested the information they had regarding this account that appeared on my credit i haven't received anything back and its been a full month. 

My identity was compermised in XXXX and i filed a police report but i was just informed how to properly report these issues, i am currently going through all the steps to fix this long going issue. 

accounts that were opened : US dept of EDXXXX XX/XX/XXXX {$7400.00} XXXX XXXX XXXX  : XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX adjust {$260.00} XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX : XXXX XX/XX/XXXX {$680.00} US DOeXXXX XX/XX/XXXX {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MO

Complaint narrative:
Tues XX/XX/XXXX : formally filed complaint v. Mohela for the following reasons : ( XXXX ) they've recently sent me correspondance indicating a past balance due ( {$900.00} ), however, since graduating law I've been in a IDR and loan forgiveness program which deferred payment for over a year. 
( XXXX ) how is there a balance due when there was no notification of a payment being due or kicking in- all correspondance received to date indicates a XXXX balance. Now all of a sudden there's a past payment balance? when exactly & why did that occur? And form of notification have you provided?

( 3 ) I just need to know the true story of my account - 3X status has changed with no indication or rationale of why. I've filled out 2 diff sets of IDR, why would my status change when I'm not the one initiating change ; further, what legal notice are you providing? why have I never received such notice? 
( XXXX ) I called your customer response number today- your agent claims they couldn't help me and allegedly forwarded me to a XXXX Supervisor. 
I've been on the phone for XXXX mins+ after speaking with your initial agent- why even place me on hold if you refuse or are unable to answer simple questions about status of the account? 
Overall, providing status of an account is not rocket science. Further, your level of professionalism is downright disrepectful from : ( a ) a customer service perspective ; and ( b ) in terms of how you manage accounts. There is no level of quality service. Please get your act together. I'm tired of chasing you down for answers which you appear not wanting to answer. What's most frustrating is that I have copies of every piece of correspondance you've sent and none of it makes sense or aligns with alleged status each time I've called, which has been 4-5 times since XX/XX/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 2024-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX, I been a victim of fraud in my Synchrony account of XXXX, I have few accounts with synchrony bank credit cards and charge cards, and they are incompetent, in the way the enter my information, which I verified with them, and they still hurting my credit bureau exceptional performance. I have no problem, with any of my XXXX, XXXX, or discover accounts. It is just lousy Synchrony, that makes mistakes that cause me points in my fico score. They make the errors, and they blame me. I have all my account for ever, in auto pay with plenty of money to pay, and these idiots, tell me, that my account is invalid?? IT IS NOT. I even talked to them, and they are like talking to a robot, who does not understand a simple inquiry, form their mistakes on my accounts. 

I have all my bank statements that proof all my good performance. Please help in straighten this out with Synchrony bank. Also, they charge outrageous amounts of money as interest rates. I am a XXXX XXXX, and I live on a fixed income. I hope the government will fix this companies, abusing the American people, ripping us off. 

I thank you in advance for your time, 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 monetary relief
Consumer complaint received 2024-03-19 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:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
They are violating my privacy per title 34 part 99 I never gave them written consent to put this information on my report. 

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education. 

The Act serves two primary purposes : It gives parents or eligible students more control over their educational records, and It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an XXXX XXXX, or if the student is a XXXX XXXX XXXX XXXX ( 20 U.S.C.S. 1232g ( b ) ).

An eligible student is one who has reached age XXXX or attends a school beyond the high school level. 

Subpart DMay an Educational Agency or Institution Disclose Personally Identifiable Information From Education Records?

99.30 Under what conditions is prior consent required to disclose information?

( a ) The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31.

( b ) The written consent must : ( 1 ) Specify the records that may be disclosed ; ( 2 ) State the purpose of the disclosure; and ( 3 ) Identify the party or class of parties to whom the disclosure may be made. 

( c ) When a disclosure is made under paragraph ( a ) of this section : ( XXXX ) If a parent or eligible student so requests, the educational agency or institution shall provide him or her with a copy of the records disclosed; and ( XXXX ) If the parent of a student who is not an eligible student so requests, the agency or institution shall provide the student with a copy of the records disclosed. 

( d ) Signed and dated written consent under this part may include a record and signature in electronic form that ( 1 ) Identifies and authenticates a particular person as the source of the electronic consent ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Recovery Service Incorporated
State: KS

Complaint narrative:
On XX/XX/XXXX, Irecieved the attached email from ARSI regarding repayment options for resolving my account ( email included my name, the correct account name, reference number and total balance ). I then called ARSI directly ( used the phone number from the email ) on XX/XX/XXXX to discuss my acceptance of the terms outlined in payment option XXXX XXXX from their email and set up the 4 remaining payments. The customer service representative confirmed my account number, balance and my name/DOB/social were the same as what was listed on the email they sent me the day before then he confirmed they did send me the email I was referencing yesterday as well. 

However, the representative then stated that email was sent in error and the settlement options provided in the email were inaccuate and not available due to my current balance ( which was also noted on the same email with the settlement options they are no longer honoring ). 

They put me on hold then came back and said their " internal IT department sent that email in error and are working to update the info on the account ''. I told them it was extremely missleading that they sent, in writing, different settlement options associated to the same account and account balance and now would not honor them. He said there is nothing he could do besides give me the new repayment options, which are significantly more than what was originally provided yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They denied my claim for XXXX different reason and they allowed money to be taken out my account XXXX the person who stole my card was caught with my card and items and is in XXXX .. bank of America prepaid is wrong for denying my claim first day of the night my claim and said that it was made after I submitted the claim then they denied my claim and said that I was either the person that made the charges or I knew the person that made the charges then they sent me another denial of my claim telling me that again that the claim was tonight because there was charges that came through after the claim was submitted and I explained to them that it was a bill pay that had came through and that I was the person that made the bill pay so they said that they would be able to use that to deny my claim they also told me that I would also have to submit my next request for my claim to be reviewed via mail that I could not call in and ask them to review my claim I asked him did they do any of the research that they needed to do like look at the video cameras or contact the sheriff that gave me the police report they told me that no they didn't have to do anything that they're denying it and that there's nothing that I can do about it the person I spoke to there her name was XXXX and this is for her she said that she's not going to honor my claim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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 am writing to follow up on my previous dispute regarding the unverified and unauthorized items on my credit report. Despite my multiple requests for investigation and deletion of these items, they continue to be reported inaccurately, which is adversely affecting my creditworthiness and financial opportunities.

Company response to consumer: Closed with non-monetary relief