vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update 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 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a Chase Fraud Alert about a suspicious transaction that was denied on my account. I responded to that email by clicking the " No, something's wrong '' button and that opened a webpage telling me that they were cancelling my card and would be issuing a replacement card. I then received no confirmation email, alert in the Chase mobile app, or any other sort of banner or alert in the Chase app regarding the card cancellation/replacement, of the new card shipping, or of the new card being delivered. Eventually the card did arrive on XX/XX/XXXX and I was able to activate it at that time, but it is absurd that I can order a {$5.00} pair of socks online from a random retailer and will get an immediate 1 ) order confirmation email, 2 ) link to track the order status, 3 ) order shipment email, and 4 ) order delivery confirmation email but I get none of those four basic updates when the largest bank in the country cancels my credit card with tens of thousands of dollars in available credit because of a fraud attempt and issues a new one. I was in such disbelief over this state of affairs that I contacted Chase support to see if I had accidentally disabled those notifications, but their agent said that none of those types of notifications exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: IN

Complaint narrative:
A rep from Discover used a fraudulent card opening and fraudulent charge of {$700.00} to call me. Then he commented on my age ( XXXX ) and told me of a gov program to reduce indebtedness and consolidate credit card balances by using U S Debt Validators. I told him clearly I was NOT interested. I pay my debts on time and far in excess of minimums due. Presumably because of the fraudulent card charge and second card opened he said he needed to transfer me to XXXX. After verifying my identity, XXXX transferred me to another number which was answered XXXX XXXX. There I was told to stop making payments on my XXXX XXXX XXXX XXXX XXXX XXXX  etc and should only pay my XXXX  cards. I said that makes no sense. He kept insisting. I said you put whatever you are directing me to do in writing. I am not doing anything via phone. I believe the three employees of these companies were attempting to put me in the Debt Validators program WITHOUT my wanting or needing to do so. I have excellent credit ( high 700s ). They must get a reward enrollments they obtain. Subsequent to the call from Discover on Friday XX/XX/XXXX, I have received 28 unidentified phone calls from U.S. locations on XX/XX/XXXX and XX/XX/XXXX which I did not answer. My guess is 95 % were in regard to my refusal to continue talking to the 3rd call. Discover said my call was being recorded so one can check to hear how I indicated no interest, Call was XX/XX/XXXX no sure what time but it came from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-20 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: TX

Complaint narrative:
My payments made on my Consolidated Direct Student Loan issued in XX/XX/XXXX, are missing for the months XX/XX/XXXX through XXXX  XXXX, in the records of Mohela who now service my loan since the date I applied for Public Service Loan Forgiveness. 

Currently I am being denied forgiveness, befcause Mohela says i require 24 additional payments. The count of missing payments is 30, which would make me eligible for immediate forgiveness, under the current rules. 

The missing payments appear to correspond to the date my servicing was transferred from XXXX to XXXX in XX/XX/XXXX. All the missing payments were made to XXXX. Mohela has a record of payments prior to XX/XX/XXXX, on previous Consilidation loans ( each replaced the previous ) but the payments made before to XXXX on the last Consolidation have simply disappeared from Mohela 's payment count. ( though they did once reappear with a detail stating " no bill was issued ''. 

I am attempting to obtain bank statements from a former bank for that period proving payment, but it is very difficult because of how long ago these events occured. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I have tried many times to pay my bill, it always get returned. But it never gets taken out of my account, I call customer service and they tell me to try only paying the minimum amount, it will work then. I want to pay it all, and have a XXXX balance, they are making it so I owe them more in the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am unable to unfreeze my credit file with Experian. Every time I try to go to the page that displays the option to unfreeze, I get the error saying : " Status not found We're having trouble loading your information. Please try again later. '' I have tried to call Experian and no one was willing to help. I need to urgently unfreeze my credit file so that I can apply for a credit card.

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 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, 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:
ON XX/XX/2022 I WAS AT THE GROCERY STORE AROUND XXXX XXXX. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX # XXXX OPENED : XX/XX/2022 AMT. XXXX XXXX XXXX # XXXX, XXXX OPENED : XX/XX/2022 AMT. XXXX THE FOLLOWING INQUIRIES ARE ALSO FRAUDULENT : XXXX XXXX XX/XX/22 XXXX XXXX  XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The BANK OF AMERICA account that appears on my credit file has been charged off since XXXX. I recently paid/settled this account in XXXX of XXXX where at that time Bank of America then updated my credit reports to show that the account was CHARGED OFF in XX/XX/XXXX. This false and inaccurate information is damaging my credit profile and affecting my ability to purchase a home. I have spoken to Bank of America about the reporting issues with this account and they have claimed that it would be corrected in 90 days and to date that time period has passed and each month this account reports falsely to my credit file. I have attached my XXXX credit report where you will see XX/XX/XXXX now repprts as CHARGED OFF.

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 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-20 00:00:00
Product: Credit card or prepaid 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: Chime Financial Inc
State: TX

Complaint narrative:
On Saturday Morning XX/XX/2023 I'd Ordered a Set Time of XXXX XXXX - XXXX XXXX XXXX Deliveries to my Veterans Unit a TV plus Groceries totalling {$470.00} as Deducted from my CHIME CREDIT BUILDERS ACCOUNT as a DESIRED CUSTOMER. WHEREAS, XXXX texted claiming now they're SHIPPING my 55 '' TV approx. XXXX XXXX. I immediately said NO to the SHIPMENT. I immediately called XXXX to CANCEL the ENTIRE ORDER with CUSTOMER RELATIONS. NOW, the XXXX Cancellation Cancelled the TV, but the XXXX Delivery Driver was yet in route to now stating on XXXX {$24.00} Groceries which upon my return to my Unit was sitting on the ground Openly in this HIGHLY OCCUPIED COMPLEX unattended! Not good! I summoned CHIME by Electronically and on CHIME APP a CLAIM for {$470.00} that same Day, XX/XX/2023. FILE # UNKNOWN and due to it being taken down after PENDING until Friday, XX/XX/2023 and NOW PENDING an additional 7 - 10 Days my needed REFUND of {$440.00} which sits as ( Credit ) - {$440.00} and a XXXX Balance in my Accounts unable to do anything for my BIRTHDAY which was Saturday, XX/XX/2023 nor get a TV as a Birthday Present to myself after spending 5 Years of Birthdays behind XXXX! And, too in doing so the VA is Investigating the PREVIOUS XXXX Delivery of a " KNOCK OFF '' XXXX 55 '' TV from XXXX Purchase IS why I did NOT want another TV SHIPPED by XXXX. Therefore, after requesting CHIME to call me and during that call I'd inquired about both my CREDIT of {$440.00} and the OUTCOME of my {$470.00} PENDING CLAIM TO NO AVAIL! TOLD there d I es NOT exist any such CLAIM, but a CLAIM for {$24.00} and trying to get me to adhere for an added CLAIM NOW for my OVERDUE REFUND of {$440.00} for a NEW CLAIM for an ADDITIONAL 7 - 10 Days totalling in excess of 2 Weeks as I'm a Senior XXXX YO and XXXX Veteran on XXXX XXXX and this is nearly HALF of THAT Monthly Payments for XXXX ... and I'm LEFT DISMAYED after ALL these years of looking forward to being XXXX! NOW, CHIME Claims a OPEN CLAIM PENDING THEIR INVESTIGATION for the XXXX Purchase of {$24.00} for UP TO 30 Days. What above my money DUE? A CHIME Supervisor now claims " CANCELLATION OCCURRED BEFORE SETTLEMENT. '' I exclaimed, WHAT? CHIME Supervisor states it will take up to an additional 10 Days for PENDING to DROP. My question IS how did CHIME et. al SETTLE the {$24.00} XXXX purchases out of the {$470.00} CLAIM and NOT REFUND MY {$440.00}? We're speaking of my ENTITLEMENT XXXX PENSION here. Why are they mistreating me and causing me MUCH DISTRESS as I SUFFER from XXXX and I have NO other means of SUPPORT at these immediate times with 100+ degrees weather. Who can HELP me? I need HELP with these XXXX folk!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The XXXX  XXXX XXXX account that appears on my credit file has been charged off since XXXX. I recently paid/settled this account in XXXX of XXXX where at that time XXXX  XXXX XXXX then updated my credit reports to show that the account was CHARGED OFF in XX/XX/XXXX. This false and inaccurate information is damaging my credit profile and affecting my ability to purchase a home. I have spoken to XXXX XXXX XXXX about the reporting issues with this account and they have claimed that it would be corrected in 90 days and to date that time period has passed and each month this account reports falsely to my credit file. I have attached my Experian credit report where you will see XX/XX/XXXX now repprts as CHARGED OFF.

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 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, 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:
ON XX/XX/2022 I WAS AT THE GROCERY STORE AROUND XXXX XXXX. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX # XXXX OPENED : XX/XX/2022 AMT. XXXX XXXX XXXX # XXXX, XXXX OPENED : XX/XX/2022 AMT. XXXX THE FOLLOWING INQUIRIES ARE ALSO FRAUDULENT : XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/2022

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 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
unauthorized transactions on chime account i disputed and canceled my card chime was told i would recieve a temporary credit until a decision was made and i never recieved no temporary credit, later on declined my disputes with no explanation i have reached out to customer service numerous times with no result XX/XX/2023 / XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, 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: KY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, this Creditor has Violated my Rights. Under 15 USC 1681 sec. ( 602 ), states ; I have a Right to Privacy. Also, 15 USC 1681 ( 604 ) sec.2, states ; A consumer Agency CAN NOT furnish an Account without my written consent ( of which I never gave ). 15 USC 1666 ( B ) furthers states ; that a Creditor May Not treat a Credit Card consumer plan that is open-ended as late, for ANY Purpose! Please Remove All credit card consumer plan late payments from my credit report as this a clear violation of my Rights under stated Laws!

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 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, 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: KY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, this Creditor has Violated my Rights. Under 15 USC 1681 sec. ( 602 ), states ; I have a Right to Privacy. Also, 15 USC 1681 ( 604 ) sec.2, states ; A consumer Agency CAN NOT furnish an Account without my written consent ( of which I never gave ). 15 USC 1666 ( B ) furthers states ; that a Creditor May Not treat a Credit Card consumer plan that is open-ended as late, for ANY Purpose! Please Remove All credit card consumer plan late payments from my credit report as this a clear violation of my Rights under stated Laws!

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 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, this Creditor has Violated my Rights. Under 15 USC 1681 sec. ( 602 ), states ; I have a Right to Privacy. Also, 15 USC 1681 ( 604 ) sec.2, states ; A consumer Agency CAN NOT furnish an Account without my written consent ( of which I never gave ). 15 USC 1666 ( B ) furthers states ; that a Creditor May Not treat a Credit Card consumer plan that is open-ended as late, for ANY Purpose! Please Remove All credit card consumer plan late payments from my credit report as this a clear violation of my Rights under stated Laws!

Company response to consumer: Closed with explanation