vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 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:
Experian continues to report false information on my credit report. Attached is a screen shot of my credit profile. I have sent a copy of my drivers license, two utility bills, and a copy of my social with the correct address, phone number, and employer. Experian continues to report addresses that I have never lived at, names I have never gone by, and accounts that do not belong to me. 

XXXX. 

Names : XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX  XXXX  XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$490.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX  XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit - Highest balance {$100.00} Terms 1 Months On record until XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$3500.00} Highest balance - Terms 36 Months On record until XX/XX/XXXX Payment history XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX At this time I am asking that Experian do their due diligence and delete this from my credit report. Experian allows creditors to exploit victims of fraud and continuously place fraudlent credit items on consumers credit reports. Experian allows debt collection agencies to place fraudulent files on consumers credit reports and do not verify the debt. Experian never mailed any verification information to me or anyone given permission to by me to accept any mail on my behalf. Experian continues to cost me money by allowing creditors and collection agencies to put credit items on my file and do not verify those accounts. I XXXX XXXX XXXX maiden name : XXXX have never had an upgrade account or an account with XXXX that the Experian continues to allow to go on my credit file. This is fraud ... and Experian have not and will continue to lie about investigating files that they never investigate. Experian should be closed for there deceptive tactics.

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 2023-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Loan is over 7yrs old and this loan shouldn't be on my report. 
Company Name Lendmark Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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:
Edfinancial has been impossible to get in touch with. I've paid my account 3 times in the month of XXXX because they keep reversing the transaction. Now it's saying my account is past due and theres nothing I can do about it. I've already called my bank and they said that Edfinancial hasn't even attempted to take the money out of my account. I've tried calling and I've tried emailing. No one has gotten back to me, and the interest keeps going up. This is beyond frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2022, in XXXX, XXXX XXXX court in a divorce issue, the house and loan was my ex-wife responsibility. Court Documents were sent to all 3 credit agencies numerous times along with them being sent to Chase Bank in that I was no longer financial responsible nor own the home. They have refused to remove it from my credit report, tell me they don't have to remove it or take it out of my name after all documents have been signed three times. Last year I reported identity thief, and my credit is locked and now another credit card is on my credit report and getting phone call on that and on the late payment on the house. 
This has stopped me from getting financed for a home and they will not correct their mistake even when i have submitted document numerous times to all three credit agencies and Chase Bank. This has also interfered with me in getting any kind of loan when they don't report the truth on my credit report. I'm requesting your help in correcting these agencies and Chase and the credit card agency on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received an alert from XXXX stating that the last 4 digits of my social security number are on the dark web. I placed a Fraud alert on all 3 bureaus XXXX XXXX XXXX and I received an alert from XXXX informing me that my Fraud Alert has been removed from Transunion as of XX/XX/2023. I attempted to log into my Transunion Account to confirm that my account was still on Fraud Alert and I was unable to successfully log into my account online. I called Transunion today XX/XX/2023 and the representative informed me that my freeze was on my account however my fraud alert was removed. I informed the representative that I have called or accessed my account online to remove a fraud alert. At that time the representative did advise me that she was updating my account.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was scammed by someone sending money with Zelle and bank cant refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MS

Complaint narrative:
My student loans were transferred from to Mohela to XXXX in XXXX. XXXX and Mohela are both reporting the same student loans.The balance with Mohela should display {$0.00} because the loans were transferred to XXXX, but my credit report is still displaying balances from XXXX and Mohela. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with Mohela should display {$0.00}. My student loans are currently with XXXX. The double reporting resulted in a XXXX decrease on my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
So I had a problem with my Chime account and disputed a few transactions that was made on XX/XX/XXXX in the totaling amount of {$4200.00} dollars. 4 separate transactions for a {$1000.00} a piece and a {$200.00} dollar one. Ive tried disputing the transactions and they were denied with no explanation or no investigation report and when I asked for one it was never sent out within the time frame they gave me so here we are months later they never sent the money back never sent me a investigation report that shows how my claim was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2023 my American Express card was used to create unauthorized charges through AMEX Send and XXXX accounts. My AMEX card was accessed through my XXXX account which was hacked into. 

As a result a {$2000.00} charge was added to my account. When I noticed the charge I called American Express immediately. The AMEX agent took some time to investigate this charge and discussed it with their fraud team. He then informed me that this was a common scam that is being used and assured me that I will not be responsible for the charges. The agent then issued me a new card. The agent said that this incident would be investigated further and I would receive a letter in 30 days and then the {$2000.00} charge would be removed from my account. 

It's now been 2 months and I have not received any letter from American Express. Since I was told that Im not responsible for the {$2000.00} charge I did not pay it on my next bill and I incurred a {$34.00} interest charge as a result. 

I have called American Express three more times about this charge and investigation. Each time I called I was told I should be receiving the letter within days but I havent received it. In the mean time interest charges keep accruing on the account. When American Express finally closed the AMEX Send account I was only credited {$4.00} on my account leaving {$1900.00} + {$34.00} interest that I was told again Im not responsible for. 

I have an excellent credit rating and have been an American Express card holder for 20 years. I always paid my bill in full every month. Now my credit rating is probably affected by these charges. 

I am asking that American Express resolve this issue immediately and remove the following charges from my account. They have already indicated that Im not responsible for the charge so it should be removed immediately. 

Charges : {$2000.00} AMEX Send ( XX/XX/2023 ) XXXX {$4.00} Credit ( XX/XX/2023 ) Sub total {$1900.00} XXXX {$34.00} Interest ( XX/XX/2023 ) Total {$2000.00} I am also asking that American Express fix my credit report if it has been affected by this activity. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06 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: IL

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 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 2023-11-06 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I filed a credit card fraud claim in the amount of {$6400.00} and {$940.00} on XXXX and XXXX of the year XXXX. But recently I have gotten a letter in the mail saying that my claim was denied and that I owe that amount on my credit card starting XX/XX/. Navy Federal has not found any of the claims valid even though I had XXXX service and XXXX ability to use my credit card because I am XXXX XXXX so I get XXXX to wildfires two weeks at a time. The company has done nothing to resolve this except by putting me in serious debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: OH

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2023-11-06 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:
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  XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number: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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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:
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  XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  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 explanation
Consumer complaint received 2023-11-06 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: NY

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: NY

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-11-06 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: TX

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

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 2023-11-06 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: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting 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 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
My cellphone and laptop were stolen on XX/XX/XXXX, on the XXXX the individual who stole them or someone they know was able to get into my Venmo account and sell and create a fake account and transfer money into there account. They are still trying to engage in transactions in the locked Venmo account as just today I received correspondence from Venmo they had my ID and were looking for documentation on my checking account s and credit card accounts.

Company response to consumer: Closed with non-monetary relief