vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CARS Acquisition, LLC
State: FL

Complaint narrative:
On the date on XX/XX/2023 I arrived at Car Financial XXXX services In XXXX. I came very late due to extreme work scheduling. Upon the arrival I had purchased a Money order from " XXXX XXXX '' in XXXX Florida ready to pay an amount down on my car that i had to owe due to " Job loss ''. I gave what i could give that day which was {$100.00}, the verbal Agreement that was given was " I lost my job i just got myself back on track However, You have to give time to catch up and make money I can do {$250.00} bi-weekly but it's going to take time to catch up with late payments and keeping up with a current one because i just starting back to working " The clerk Agreed ( XXXX XXXX XXXX, after I dropped of my money I left and proceeded to try make money to pay off my debt. The company called at XXXX, left a message not regarding what it is so i did not call back because I was working and figured she put my {$100.00} towards my account. However, I found out she did not. I called the company asking for the " money order '', their response was to me " I don't have a money order '' I explained that there is a money order there and i need it back because it was not used towards my account '' She proceeds to tell me " I don't know where Money order is '' I have video Proof of the Place receiving the Envelope stamped and Labeled with their company name on it, I don't know what they did with my money however This is illegal, if they don't have my money order where is it? Who cashed it? The company was rude, hung up in face, and has told me a bold face lie!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a victim of identity theft. A scammer used my information to purchase XXXX Tickets for {$490.00}. The transaction date was XX/XX/2023. I filed a dispute for the charge which Chase bank claimed to be illegitimate. They then reversed my claim on XX/XX/2023. I have since contacted XXXX about the purchase and they have marked this purchase as fraudulent. Chase bank sent me documents in the mail, claiming that the purchase was legitimate, showing that the scammer had all of my information. The documents even included a photo of the person who used my info to purchase the tickets, who is clearly not me. After that, I contacted Chase bank again to let them know, however they refused to re-open the claim. I let them know that I had already talked to XXXX about the fraudulent purchase, but Chase bank stated since the claim was already closed they couldn't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: VA

Complaint narrative:
My loans were transferred to XXXX on XX/XX/2023. However, my credit report on Experian is displaying I have open accounts with both XXXX and XXXX, doubling my debt to {$140000.00}. I've contacted XXXX on numerous occasions and requested to speak with a supervisor with no resolution to the matter. They state since my loans transferred it is not on them. In this case, my credit report should show no open accounts with XXXX whatsoever! All credit reports Experian, XXXX, and XXXX should not reflect any XXXX accounts and be removed expeditiously for that matter. Thank you.

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 2023-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paramount Recovery Systems, L.P.
State: AZ

Complaint narrative:
Hi, My name is XXXX XXXX. I applied for a Mortgage on XX/XX/XXXX. My credit score was XXXX and my husband and I decided to wait until interest rates went a little lower before we moved forwarded. I called my loan officer on XX/XX/XXXX and we needed to pull a new credit report since it was pulled over 4 months ago. Once we re-pulled credit, we were advised we had 2 new medical collections that reported on XX/XX/XXXX for a total amount of {$1800.00} and my credit score dropped to a XXXX. I have had access insurance for many years, and they always pay my medical bills. I called the collection company, and they said it was from XXXX. I have lived in my same house for 5 plus years and have had the same phone number and no one has called me to discuss this collection, nor have I received any communication regarding this debt. I feel if this was a legitimate debt, I wouldve been notified. 



I called them and they said they want me to go on payment plan for {$100.00} a month, if I agree to this, they will delete this debt. I dont feel this is accurate as my insurance company has always paid my medical debts. Can you please review this as I know my medical insurance wouldve paid for this. Please let me know if you have any questions. 



Thank you, XXXX XXXX My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
Background for job. First Advantage told employer I did not work at XXXX XXXX XXXX and did NOT do an accurate and thorough investigation. 

Enclosed is my contract for XXXX XXXX XXXX and First Advantage report saying I didnt work there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check into my Chase checking account that was provided to me by a client for services done in accordance with my business operations. The funds were not made available to me, and they hold was placed on the check that was deposited on XX/XX/XXXX at XXXX XXXX XXXX. Even after it was verified by the issuer and he issuing bank that it was processed and funds were delivered to Chase on XX/XX/XXXX my funds were still not made available, and there was still a hold on the check. I was then informed that my funds would be released and the check was processed by Chase on the following business day XX/XX/XXXX at XXXX XXXX XXXX, but my funds were still not made available. I then followed up on XX/XX/XXXX at XXXX XXXX XXXX and was told that it was still just a request for the Hold to be released, and that my funds might be available at the end of the business day. Currently, I am still waiting to receive my funds in my account. I have called multiple times over the last two days and have been instructed that Chase cant hold my funds for up to 14 days and that they have many request that they are having issues following up with, and receiving funds from other banks. As a XXXX XXXX and XXXX veteran, I feel that it is not my responsibility to worry about these things, and the bank of this caliber should be able to handle simple things such as a {$2000.00} check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: FL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America locked my account and placed it in a risk closure status. Soon after on XX/XX/XXXX they opened XXXX claims without my knowledge. These claims were for checks that were written by me to a few business partners. Also at the time of the locking of my account I had a check that was pending clearance for the amount of XXXX XXXX. They check did clear and became available to me but because of the status of my account I was not able to withdraw or use those funds. And that is still the case today. On multiple occasions I have asked when will I be able to access my funds and they tell me when the account is closed I will receive a check in the mail for the remaining balance in my account. Which is not a problem but the issue is that they will not close my account due to the opened claims. I have tried over and over to access my funds in a different way and they will not work with my in any capacity.

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 2023-12-20 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 have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I specified on 2 disputes online to Experian that my name only has 1 correct spelling and there should be no variations listed because my name has no variations. My photo ID was enclosed to show them the correct spelling. In addition, I only have 1 permanent address and that all other listings of my address should be deleted, YET they refuse to abide by the FCRA ( Fair Credit Reporting Act ) and delete all inaccurate information, which is a federal violation.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Urgent : Incorrect Information Dispute with TransUnion I hope this message finds you well. I am writing to address a pressing issue regarding the information on my credit report with TransUnion. 

Upon utilizing the dispute feature on their website, I encountered challenges in rectifying inaccurate and detrimental details associated with my name. Unlike other credit agencies such as XXXX and XXXX, the TransUnion system appears to be automated, lacking the option to submit a claim or documentation for updating AKA ( also known as ) listed names. 

While XXXX and XXXX promptly resolved similar issues by allowing me to upload relevant information and a detailed letter explaining the matter, TransUnion 's dispute options for name changes have consistently resulted in automatic rejections. The accompanying message suggests an inability to update this specific information. 

I am reaching out to request urgent assistance in rectifying these inaccuracies. The information in question is not valid and must be promptly removed from my credit report. To facilitate this process, I am prepared to provide any necessary documentation to support the correction of my personal details. 

I kindly request your prompt attention to this matter and guidance on the appropriate steps to rectify the inaccuracies on my TransUnion credit report. Your cooperation in resolving this issue is greatly appreciated. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: GA

Complaint narrative:
They call me 4-5 times a day every day of the week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: CT

Complaint narrative:
The fraudulent name XXXX XXXX is tied to my credit report and Experian is not removing it. Please remove it ASAP.

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 2023-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have a XXXX XXXX with XXXX XXXX XXXX and I was cancelled at few days because I was not happy with the service. When I signed on for the service XXXX XXXX XXXX said there was no cancelation fee but at I cancelled they wanted to collect cancelation fees. They now transfer or sell the debt to IC SYSTEMS COLLECTION to collect the money I didn't owe. I paid all my bills to XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: OH

Complaint narrative:
Please remove these fraudulent accounts from my credit report. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report. I can not recognize any of the following accounts.

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 2023-12-20 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I never heard of Aidvantage but they are on my credit report XXXX times. 
I received a list of XXXX student loans that I have no knowledge of and are on my credit report. I have been out of school for XXXX  years and Aidvantage says I have loans since XXXX. I have never heard of Aidvantage. XXXX says they sold none. I called and asked for proof & account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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 never heard of XXXX but they are on my credit report 20 times.

I received a list of 21 XXXX loans that I have no knowledge of and are on my credit report. I have been out of school for 30 years and XXXX says I have loans since 2008. I have never heard of XXXX. XXXX says they sold none. I called and asked for proof & account numbers.

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 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. 

CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX CCS COLLECTIONS ( Original Creditor : XXXX 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 2023-12-20 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: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

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 2023-12-20 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 Called the credit reporting agencies letting them know the inquiries and accounts are unauthorized not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is aggravated identity theft.

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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I received a bounced check from an XXXX imposter telling me that he needed to use my account to receive funds so I gave him my account number which he went on to deposit a bounced check and now my bank is being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. I am exercising my right as a consumer and I demand that you immediately delete and remove the following information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family.

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