vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
This is a follow up on a previously submitted complaint regarding payment issues, and information changes without consent. After submitting the complaint, I was contacted by Chase Bank just informing me that they had received the complaint and were working on it. No other communication has taken place before, or since. I have since received a letter on the XXXX of XXXX, MANY weeks after sending in a complaint, from Chase Bank stating that I have requested to discontinue communication which I absolutely have not done. 
I truly believe this company is playing mind games with me now - this is the second time they stated they were given permission to change permissions on my account without my knowledge. ( First an address, now stating I have requested to discontinue communication. ) This company will alter your personal information without your consent and knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX, XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XX/XX/XXXX, I called equifax several of times about an on-going disputed related issue with the a company name XXXX XXXX XXXX Account XXXX XXXX. They have been reporting a 30 day late payment in XX/XX/XXXX. Which this is account was never late, the payments was made automated from bank account which I provided proof. Also, credit acceptance contacted me and agreed to corrected this action. I also, I have a letter that was sent to me in mail from this company in the dispute department I have sent this equifax this information and they havent fix this issue. Instead my payment history is not being reflected at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not having any luck obtaining my free annual credit reports. Hopefully this process will help me receive my annual free copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: Greeting Team, LLC DBA Customer Care Global
State: CO

Complaint narrative:
On XX/XX/XXXX I received an e-mail that looked fraudulent from : XXXX. I looked up the company from a regular source about the e-mail. It took a bit to find me but confirmed that a personal loan was taken out in my name and XXXX. The address however is not my home address and the bank they sent the money to is not a business I bank with. I also don't take out personal since I have other means to take out money. 
the e-mail stated that " You opened a consumer Loan with XXXX XXXX. As of XX/XX/XXXX you owed XXXX '' which I have not. 
I have not heard anything additional from the company and I am concerned that additional loans will be taken out in my name and that this company will try and collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The XXXX XXXX has forgiven my federal XXXX  loans with XXXX in XXXX, effective XX/XX/2023. I received confirmation in a letter from XXXX, dated XX/XX/2023. As of XX/XX/2023, the total loan balance of {$110000.00} still shows as outstanding/ still being owed on all three ( 3 ) credit reports. I have filed credit report disputes with the three ( 3 ) credit bureaus : XXXX, XXXX and TransUnion which are being investigated at present.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The XXXX XXXX has forgiven my federal XXXX loans with XXXX in XXXX, effective XX/XX/2023. I received confirmation in a letter from XXXX, dated XX/XX/2023. As of XX/XX/2023, the total loan balance of {$110000.00} still shows as outstanding/ still being owed on all three ( 3 ) credit reports. I have filed credit report disputes with the three ( 3 ) credit bureaus : XXXX, Equifax and XXXX which are being investigated at present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: TX

Complaint narrative:
I and multiple family members are getting harrassing phone calks from XXXX XXXX and collection agency they are using for an old car debt that happend 5-6 years ago. I was sick, had health issues, Lost my job, had to move in with multiple family members because I could not care for myself. I exhausted all the finds that I had for the vehicle which had several expensive problems over and over. With no income I could not keep the car. XXXX XXXX and its people have bern calling repeatedly ( auto dials back to back ) to my phone and family members too to the point that my cell battery is run down, the peole who have the debt now is calling my extended family members whom I NEVER listed on my credit application, many intimidating calls from many weird numbers, rude calls all day including early Sunday mornings, leaving notices in mailbox, had my bank acciunt and my daughter bank acvount freezed without warning. We could not pay urgent bills, and left without even {$1.00} for food. I can't pay for my needed XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have another mediation agrncy calling and harrassing me all day now too. I was NEVER served with court order before the freeze. My daighter is innocent. She had a highschooler checking account opend during highschool. Her money was wiped clean and account wrongfully frozen.The receiver mediator hired by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is harrassing me so much. I had to be sent home because I was mentally exhauseted, had XXXXXXXX XXXX had 3 day XXXX and in distress. XXXX XXXX bar card number : XXXX agency is causing sinmuch stress calling from multiole numbers even on both weekend days. I hsve not XXXX dollar to my name, can't pay for anything, and maybe losing my job because XXXX cant stay afloat. PLEASE SOMEONE DO SOMERJING WITH THESE PEOPLE! I have started receiving spam froend request from debt and credit people on social media suddenly back to back. My family don't deserve this harassment and neither do I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I have called and reached out several times to Nelnet. They never give a straight answer and on my previous complaint, they stated I was approved for the SAVE Program and that my application was approved. I can never reach a customer service agent when I call and stay on hold for hours. I need acutal information and a straight answer from these people. Why do you say I am approved for the SAVE program yet, my interest and balance keep growing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: CA

Complaint narrative:
Attached 4 pages of my report identifying all wrongfully reported information on my credit profile. With this request I demand Experian to delete and update my files. Only correct name is : XXXX XXXX, only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please note the the correct address left without being highlighted by me is the correct one but please separate the 1 from XXXX XXXX 


Highlighted information on report is wrong, please delete. I'm attaching Driver License for your records and verification.

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 2023-10-29 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: TX

Complaint narrative:
Dear XXXX I hope this message finds you well. I am writing to formally dispute the denial of my recent claim. Regarding a partial refund for the authorized transaction on my bank account. The denial letter dated XX/XX/2023 stated that my claim was denied due to the claim being authorized. I would like to provide additional information to support my claim and request a review of the decision. The transaction in question, which occurred in early XXXXXX/XX/2023, was authorized by me, and I believe it is a case of miscommunication. I stated that my transaction was authorized but not fully rendered. I requested a partial refund in this situation. I contacted the merchant on XX/XX/2023 and requested a refund and was told it was being investigated. I continued to hold out hope but failed and finally decided to file a dispute with the bank. I kindly request that you review my case thoroughly and reconsider the denial of my claim. The transaction has caused significant financial distress, and I am counting on your support to resolve this matter promptly. Please let me know the expected timeline for this review and any additional information or documents you XXXX require from me. I appreciate your attention to this matter and look forward to a prompt resolution. You can reach me at XXXX or XXXX if you require any further information. Thank you for your prompt assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX XXXX : I made phone call while living at XXXX shelter to TD Bank/Target Guest Services to inform them that I was following up on my credit card account because I had received notification that my account had 2 late payments on my credit report and that the balance was not mine. I informed them that I wanted to open an dispute for the late payments to dispute through their bank and have them remove them from my credit report, in addition to update the in appropriate balance on the credit card statement. 
I explained that this was because I was a victim of XXXX XXXXXXXX and I was living in a shelter with my children and I had no personal phone and no direct mail access. The address on file was my permanent address but my mother was not in communication with me for safety reasons and therefore I was unaware of due balance. 
The lady stated she would open a dispute but did not provide me with any details or case number for reference prior to phone call ending to verify the debt and allow me to dispute charges. 
This debt is not mine. My identity was stolen and credit was used while being attached to XXXX XXXX and in person charges as well. 
XX/XX/2023 : I received notification that the account was closed and placed in collections and that they felt debt was valid. 

There are XXXX late payments reporting with XXXX account # XXXX in XXXX and XX/XX/2023. 

There is also collections/charge off reporting in XX/XX/2023. 

I did not agree to give access the person who stole my identity to make these purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: WI

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, a new collection was added to my credit report making my score credit score fall drastically. The collection agency Is Tek Collect Inc and the original creditor was XXXX XXXX XXXX XXXX. I contacted a Debt Collector remover ( Credit Sage ) as I wasnt able to get in reach with Tek Collect and they stated this charge is false and doesnt have any correlation with me

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: PA

Complaint narrative:
I filed a complaint with XXXX and CFPB after year of disputing the reporting of my credit acceptance account. 
This account reported as collections in XX/XX/2018, reported that way for 2 years at which point was reverted back to open a open and late status. TANKING MY CREDIT

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not having any luck obtaining my free annual credit reports. Hopefully this process will help me receive my annual free copies.

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 2023-10-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CRE Credit Services
State: CA

Complaint narrative:
I am not responsible for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX. They did not provide me with the original contract as I requested. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX phone number : ( XXXX ) XXXX I DEMAND BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXXXXXX Account Number : XXXX The information on this credit report is incorrect and needs to be investigated. The late payments that have been reported are inaccurate. 

These reporting agencies ' malfeasance is unacceptable and a real spit in the face. Their lack of respect for the law needs to be checked.

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 2023-10-29 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: CA

Complaint narrative:
Attached XXXX pages of my report identifying all wrongfully reported information on my credit profile. With this request I demand XXXX to delete and update my files. Only correct name is : XXXX XXXX, only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please note the the correct address left without being highlighted by me is the correct XXXX but please separate the 1 from XXXX XXXX 


Highlighted information on report is wrong, please delete. I'm attaching Driver License for your records and verification.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Attached XXXX pages of my report identifying all wrongfully reported information on my credit profile. With this request I demand XXXX to delete and update my files. Only correct name is : XXXX XXXX, only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please note the the correct address left without being highlighted by me is the correct XXXX but please separate the XXXX from XXXX XXXX 


Highlighted information on report is wrong, please delete. I'm attaching Driver License for your records and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: Movement Mortgage LLC
State: MA

Complaint narrative:
This complaint is against XXXX XXXX, employee of Movement Mortgage. Movement Mortgage is a company whose headquarter is at XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

XXXX XXXX pulled my credit report without my written consent, even after I explicitly told him I do not want to proceed with my loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  Carmax 's business practice egregiously crowbarred their auto finance loan using the bait and switch method. They openly denied my XXXX XXXX XXXX XXXX of {$55000.00} stating XXXX XXXX needed more verification to use the XXXX XXXX XXXX XXXX 

Carmax forged my signature to an e-file contract claiming Carmax auto loan has the same terms and conditions as XXXX stating they mirror each other when it comes to credit. Carmax associatedwas clearto assure me due to having great credit I would be approved, and another creditcheck would not be needed. 

Between the months of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX my credit was going up and down of points all due to Carmax Auto loan originally ( {$28000.00} ) with a 15.70 % APR for 5yrs. Carmax associated misled me to believe I wouldn't need another credit pulling. 

On XX/XX/ while on thepremises Carmax forged my signatureto intentionally pull my credit well over 50 times till creating an error inquiry code, while still feeding my informationto other financialinstitutions for a car loan ruining my credit. 

UnknowinglyI became a witness, and a victim to an empire dealership who hascommittedacrime in my face. I have now become a credit risk to my personal credit, and to my business. Carmax showed no accountability to the multiple violations they have committed. 

Carmax have been reporting on my credit now as a charge-off stating I own them {$9600.00}. 

I have attached the multiple inquires, they have committed while still feeding my credit to others on XX/XX/ and my theft report. The forge contract showing my own signature, and the forge name they sign to their own contract. The police report. 

The Prequaified XXXX XXXX letter that was already approved for said amount, which I called to verify I just needed to pick vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
To whom it may concern, I am writing to address a deeply concerning issue regarding the suspension of my Venmo account, which has left me both frustrated and bewildered. To provide context, my original inquiry regarding the initial suspension was made on XX/XX/XXXX, and the ticket number for that concern is XXXX. 

I was grateful to receive a response on XX/XX/XXXX, after my concern was escalated, indicating that my account had been reinstated. However, my relief was short-lived as I received yet another email today, informing me that my Venmo account has been suspended once again. This recurring issue has left me bewildered and distressed. 

I want to emphasize that I have consistently adhered to Venmos User Agreement and have never engaged in any activity that would warrant an account suspension. I firmly believe that this latest suspension has occurred in error and should not have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX, XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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