vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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: PA

Complaint narrative:
I pulled my credit report. I noticed there are accounts that I did not authorize. My name is wrong. I should be listed as XXXX XXXX XXXX, instead of XXXX XXXX as to seperate me from my family members with similar names. It is listed on my identification that I have attached. It also has accounts that belong to my father whose nameis XXXX XXXX on my credit report. The following addresses do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Pa, XXXX XXXX XXXX XXXX PA. The only listed Address should be XXXX XXXX XXXX XXXX XXXX  XXXX. All other addresses and Names and accounts listed under these are fraudulent. I have contacted XXXX Experian and XXXX to have this corrected to no avail. XXXX XXXX XXXX Account, XXXX card is fradulent, and XXXX XXXX XXXX XXXX are fraudulent accounts and should be removed.

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 2024-04-01 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: Kriya Capital, LLC
State: FL

Complaint narrative:
I recently started a non profit organization involving domestic abuse. I was looking to start building my business credits and credentials. I was denied because of my personal credit in which I reached out to debtors about my situation I consistently reported to them that my identity was stolen and some of the negative reports in my credit are false and is a case of fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
Hello, Deferment or forbearance exists during this period is the message I received for XX/XX/XXXX which is incorrect. I am not sure why this payment period is showing that. I did not ask or request for a deferment or for this period of time. Also, I submitted my employment verification form on XX/XX/XXXX but the eligible payment is not reflecting the processed PSLF form. I have reached out, but I have not received a response regarding this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M1 Holdings Inc.
State: KS

Complaint narrative:
I opened an account with M1 on XXXX in conjunction with their referral bonus program ( XXXX XXXX XXXXXXXX ) which was offering a {$250.00} bonus for both parties if a deposit requirement of {$10000.00} within the first 30 days was met. After opening the account using a referral link, I deposited {$500.00} on XXXX  and {$9500.00} on XXXX to satisfy the {$10000.00} deposit requirement.

During this time, M1 apparently decided to end the promotion on XXXX Upon not receiving the full {$250.00} bonus, I contacted customer service via email and was eventually told that I did qualify for the bonus and would receive it by XXXX however the full bonus was never received after XXXX. After contacting their customer service about this, I was then told that because my qualifying deposit was received after the promotion was pulled, I was no longer eligible. This directly contradicts the terms of the promotion which state : " To qualify for the {$250.00} M1 Invest referral bonus, referred family and friends must sign up during the Promotion Period ( e.g., no later than XXXX XXXX XXXX  on the last day of the Promotion Period ) and make an initial deposit of at least the minimum required amount into a brokerage or retirement account ( Account Opening Minimum Amount ) within 30 calendar days of New User Sign-up Date and account approval and maintain that initial deposit amount for the subsequent 30 calendar days. '' Further followup via email with their customer service resulted in a response of : " However, the dates included in our promotional terms and conditions will no longer be valid once the promotion has ended. Therefore, since the promotion has ended prior to completing the qualifying deposit, we can no longer honor this promotion. '' In essence, I believe that M1 has put forward a bonus promotion to entice new customers to sign up for their service, then claim to have changed the terms of the promotion to avoid paying out the promised bonus even when a customer such as myself has satisfied the terms of the bonus promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the credit bureaus have violated my privacy rights as well as my consumer rights. According to title 15-Commerce and Trade, subsection 1666b Timing of Payments ( a ) states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I was never properly informed as stated in 1666b for any payment posted on my consumer report. These accounts have been illegally reported as late : 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 non-monetary relief
Consumer complaint received 2024-04-01 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the credit bureaus have violated my privacy rights as well as my consumer rights. According to title 15-Commerce and Trade, subsection 1666b Timing of Payments ( a ) states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I was never properly informed as stated in 1666b for any payment posted on my consumer report. These accounts have been illegally reported as late : 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 non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
We purchased a new washer and dryer and XXXX. We took out a new credit card at the time, it was a XXXX from XXXX XXXX. We had an old American express card with XXXX that we had not used since XXXX. We had only used it once for a previous purchase. We no longer have the physical card or the card #. We did not authorize the use of this card. 
XXXX XXXX put the charge on the wrong credit card, they must store them in their system. 
We went back to XXXX and they refunded the American Express card, but for some reason not the entire amount. They say delivery charge and hook-ups for the appliances did not get refunded. We have gone back and forth with XXXX as well. 
American Express has tacked on 2 late fees for {$70.00} during the time this was being disputed. 
I have sent them a check for {$170.00}, the amount that XXXX did not refund, but refuse to pay the late fees. I never gave anyone authorization to use that card, nor do I even have the physical card. 
American Express is being absolutely ridiculous about the entire matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: GA

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.

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 2024-04-01 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: TX

Complaint narrative:
I am writing to bring to your attention an error on my credit report that I believe needs to be corrected. The report contains an entry for an account that does not belong to me, and I am concerned that it may be causing incorrect information to be associated with my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: AZ

Complaint narrative:
XXXX added a derogatory mark on my credit report per TransUnion. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per TransUnion showing account status as derogatory but payment was never late so the account CAN NOT be derogatory. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by XXXX has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2024-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX claiming I owe a balance with Chase Manhattan Bank. I explained to XXXX XXXX XXXX representative named XXXX XXXX that my credit information with Chase Bank shows XXXX  accounts in collection. XXXX XXXX told me that XXXX XXXX XXXX had the balance from Chase Manhattan Bank since XXXX. As of last Friday, XX/XX/XXXX Chase Bank has informed me I am " already approved '' for some of their credit card products. 

I informed XXXX XXXX that I requested previous bank statement copies to go over accounts I've paid off. XXXX told me I had until Monday XX/XX/XXXX to make a payment. XXXX also eluded that it gets worse if I dont resolve because it has happened to him. I asked XXXX to please be reasonable and allow the statements to arrive by mail. My checking account statements are not available online because I have closed my checking account months ago ( customer request ). 

XXXX refused to provide his operator number when asked to do so. I asked for a manager to speak with and/or their operator number. XXXX refused. I mentioned to XXXX standard recurring invoices or bills give around 25-30 days for repayment. I asked XXXX for 30 days so I could have time to receive past statement copies and perform due diligence. XXXX denied my Goodfaith attempt to try to validate or deny this questionable debt. 

I visited XXXX because XXXX XXXX XXXX is registered in the state of Florida. How could XXXX XXXX  XXXX have information from XXXX, when they weren't even doing business in Florida until XXXX? This caused alarm. I then contacted XXXX via phone ( XXXX ) and received verbal confirmation of this as well. 

I spoke with Florida Department of Agriculture and Consumer Services ( XXXX ), as well as the Federal Trade Commision ( XXXX ) to alert them. I called XXXX XXXX XXXX back. I asked XXXX how long he has been employed with XXXX XXXX XXXX, and XXXX told me " don't worry about it ''. As I was re-confirming the date/year of the questionable debt, XXXX XXXX raised his voice and started yelling at me in an abusive unprofessional way. This also raised a concern with me. I requested to XXXX that he not yell. 

I also asked XXXX which family of Chase card products does the debt belong to. I also asked for transaction history, or an agreement showing I entered into a credit card contract. XXXX could not, and did not provide those details. I pulled a free annual credit report from all three credit reporting agencies. They also show all of my accounts have been paid with XXXX balances and nothing in collections. I am filing a complaint against XXXX XXXX XXXX because of deceptive, abusive, and false tactics. I do not owe a balance with Chase Manhattan Bank per Chase Bank employee XXXX located at the XXXX, FL branch. This was also reconfirmed by Chase Bank collections representative XXXX operator # XXXX ( at XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: AZ

Complaint narrative:
XXXX added a derogatory mark on my credit report per Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per Equifax showing account status as derogatory but payment was never late so the account CAN NOT be derogatory. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by Equifax has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian refuses to investigate and process dispute information that I have initiated keeps sending a canned response see attached. I have tried to contact with no resolution email comes from a non monitored email address. There is no possible way to get them to complete the dispute investigation therefore violating my consumer rights

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 2024-04-01 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: GA

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 XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX 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 2024-04-01 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: GA

Complaint narrative:
I am writing to dispute the following hard inquiries listed on my credit report. I have reviewed my credit report and have found these inquiries to be inaccurate and unauthorized. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inquiries and remove them from my credit report as soon as possible. 
Below is a list of the disputed inquiries : Creditor Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/2023 I did not provide authorization for the company listed above to access my credit report, nor do I have any recollection of initiating any transaction or applying for credit with them. Therefore, I am concerned about the accuracy and validity of this inquiry. 
Please conduct a thorough investigation into this matter, including verification of the legitimacy of the inquiry with the respective creditor. Under the FCRA, I understand that you are required to complete this investigation within a reasonable timeframe. 
In accordance with my rights under the FCRA, I request that you provide me with verifiable proof of your findings and actions taken. If the disputed inquiry can not be verified or is found to be inaccurate, I request that it be promptly removed from my credit 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.

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 2024-04-01 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: NC

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XX/XX/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