vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing an account that is unlawfully on my consumer report with TransUnion, XXXX XXXX XXXX 

They have refuse to even acknowledge the issue with my request and continue to send me cookie cutter dispute responses that doesn't address the issue. 

The request was for a Child Support account to be removed as the name does not match my legal name ( My legal name is XXXX XXXX XXXX and they are reporting it on my account as XXXX XXXX XXXX ) and the account should be removed due to it not meeting FCRA requirements. 

I also disputed this with the child support agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and they have now closed this account due to their error yet the it still appears on my report. 

I am demanding this account be removed as it is inaccurate and effecting my creditworthiness and not allowing me to obtain much needed business credit to improve my families situation. 

Attached is a letter from them proving that this account is now closed and it clearly still shows my legal name being in error which is an FCRA violation and should be removed from report for good. 

I am ready to take legal action if the request remedy does not take place as this is a direction violation of my rights. 


XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: MOHELA
State: MO

Complaint narrative:
I had selected the Standard Repayment Plan and had gone through the process to set-up Auto-Debit so my student loan payments would be automatically withdrawn from my account. My first payment was made smoothly in XXXX. Then, I received a notice that my account was automatically put into something called Administrative Forbearance without my permission. My XXXX payment was not withdrawn from my account, my Payment Amount Due in MOHELA isnt showing up and the due date for my payment isnt showing up either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
1-Recieved TODAY email i missed a payment with no explanation - new payment due XX/XX/XXXX, for {$98.00}. 2- CALLED XXXX SAID I MISSED XX/XX/XXXX PAYMENT. Not true... paid! Asked for manager. MANAGER stated i did not osy XX/XX/XXXX and " i was 32 dsys late '' even though today is XXXX XXXX XXXX " YOU CAN NOT USE CALENDAR DAYS to compute! '' " It is calculated by computer '' I ssked when is my due date? " no exact way to tell '' i filed a dispute. SHE SAID " I DO NOT HAVE TO PAY XXXX XXXX' I asked for paper statements since I never recieved their automated notice. THIS IS A NEW acct. WE PAID XXXX OK BUT WERE NOT NOTIFIED FOR XXXX! I am making a {$98.00} payment which should make balance up to date!

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 2023-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PLANET HOME LENDING, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, husband placed multiple calls requesting payoff amount. Transferred. Multiple times with no answer. Calls lasted anywhere between 30 minutes to 3 hours. Would not let us payoff loan over phone. Stated we would have to fax them a request and could only payoff loan by certified check. Refused to give us a payoff amount over the phone or email. 
On XX/XX/XXXX, payment was made in the amount of {$8800.00}. They would only accept payment as long as we didnt use the term payoff, that we just wanted to make a payment. 

On XX/XX/XXXX, I sent an email and a fax requesting the payoff amount on our loan. Planet Home Lending has not responded as of XX/XX/XXXX. 

As of XX/XX/XXXX, a payment shows made XX/XX/XXXX {$8800.00}. However, our balance has not changed and they will no longer take our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
In XXXX XXXX, I observed a decline of over XXXX XXXX  in my credit score linked to Jefferson Capital , a company I believe XXXX enlisted to collect a debt wrongly attributed to me. Despite providing a recording from XXXX acknowledging the fraud, they insist on a police report, contrary to their policy. I declined to obtain a police report, and they persist in keeping the issue open, neglecting to resolve the erroneous debt. If you have an email, I will be happy to send you the voice recording between XXXX and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX TransUnion/ XXXX in connection with its debt collection and furnishing activities

continues to violated sections 1031 ( a ) and 1036 ( a ) ( 1 ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C . 5531 ( a ), 5536 ( a ) ( 1 ) ; sections 623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. i68is-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ; sections 1022.42 and 1022.43 of Regulation V, 12 C.F.R. 1022.42-1022.43 ; and sections 807 and 814 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16920,1692/.Collecting any Time-Barred Debt through any means, including but not limited to telephone calls and written communications, without .They continue to list the Loans as accurate, documentation from the creditor or agent was not provided to support creditor was not discharged in the chapter 13, as these are private student loans not federal and not subject to 11 U.S.C. Section 523 ( a ) ( 8 ) ( A ) ( ii ) ) on IRS publication,901.

For those Time-Barred Debts that can not generally be included in a consumer report under the provisions of the FCRA, 15 U.S.C. i68ic ( a ). Clearly and conspicuously disclosing to the Consumer : " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. 
They are not federal loans, A private student loan is not a scholarship or stipend, and the overwhelming body of judicial authority finds that it is not an educational benefit either That a private loan is an educational benefit is inconsistent with the full text of 11 U.S.C. 523 ( 8 ) the other two exceptions would be unnecessary if education benefit included loans.

U.S. Court of Appeals for the 2nd Circuit from the U.S. Bankruptcy Court for the Eastern District of New York. In the original case, U.S. Bankruptcy XXXX XXXX XXXX XXXX concluded that private student loans were not part of the Bankruptcy Code Section 523 ( a ) ( 8 ) ( A ) ( ii ), which states that any obligation to repay funds received as an educational benefit, scholarship or stipend is typically not eligible for discharge.

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 2023-11-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX Is sabotaging my credit report, it has been constantly dropping for the last XXXX with no reason at allI have lowered all my debt each month there is no way my credit score should be constantly going down with them, this is ruining my credit. And ALSO I told the Credit companies to REMOVE all information regarding XXXX XXXX from my account because the situation was fraudulent, they refused to close the account when I originally told them too, regardless of what they are telling you, I filed a police report already. if my credit score is not fixed and you continue to ruin it, I will take legal action because you have no valid reason to give me negative credit reporting scores for XXXX month consistently without probable cause or explanation. 

XXXX Also sent me a confirmation letter of deleting the account as well. So I dont know whats going on. all I know is XXXX keep negatively reporting my account with no reason or explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Had the parking garage wrongly that charge my card for parking that was supposed included in the rent. The leasing office confirmed this was the case but had to deal with the charge myself because it was a 3rd party. They never responded to a single email and dont answer the phone. I dispute the charge and explained the situation and that I need the charge disputed.

Then I get a call 4 weeks later saying they didnt start investing and that they refuse to contact the merchant because they felt my proof my insufficient. They want a receipt. A receipt for what? A transaction that didnt place. The entire they tried to transfer me to someone else before just hanging up me outright. This is the last time I used chase for anything. They offer no purchase protection. Their dispute department is intentionally rude and that dont care at all about the customers. 

Last time I made a report some guy with a staticky phone, probbally intentionally, asked me to email documents to an email that didnt exist before never following up on it again and no way to call them back. I expect this to be the same. Ive banked with chase since XXXX. XXXX never using their services again. 

If you have a chase on file with someone be careful they dont accidentally charge you for something because their dispute team will do nothing but waste your time before hanging up on you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it againXXXX XXXX XXXX Balance : 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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it againXXXX XXXX XXXX  Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: NE

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
After applying and getting pre-approved, Chase refused to provide an official loan estimate Sunday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
I have tried numerous times to close my American Express credit card account. I have copies of numerous chat requests to do so, but have never had anything but stalling responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: MD

Complaint narrative:
XXXX XXXX XXXX made an improper credit reporting status in XX/XX/. I made the payment within the 30 day grace paeriod and was told by a representative that there would be no late credit reporting. I was told the payment would incur interest but my principal payment was paid according to guidlines.

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 2023-11-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX are Fraudulent. I have sent in FTC complaint several times, police report identity report documents were sent certified mail. They were very rude to me on the phone. Equifax clearly violated my consumer laws which i been a victim of identity theft. 

Alo the inquire below are also fraud Hard Inquiries Inquiries that may impact your credit scores. These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/2023, I lost my job thus my income. I used up my reserves to keep my bills current until I receive a new job yet all of my funds were depleted. I was worried about my two credit cards, XXXX and Capital One. When I spoke with XXXX, they put me on a payment plan that was 11 % of my regular payment which was {$17.00} for 6 months. So, when I contacted Capital One, on XX/XX/2023, I was expecting the same results or even better since they are a larger company. The Capital One representative XXXX, once he heard my situation, asked me how much could I pay until I get a job, ( which I was expecting within a few months maximum ), I stated {$20.00} which was approximately 11 % of my regular payment. I then explained what XXXX did for me, expecting this to be the norm. XXXX then stated I would have to pay {$310.00} for 3 months, which was almost twice my regular monthly payment! Obviously, if I can not pay my regular payment, I can not pay almost twice that! I reiterated the seriousness of my situation, aka, having no money for food and in response, XXXX disconnected our conversation. I went ahead and posted {$20.00} payments on the payment due date. What I find comical, is that I still receive emails stating Capital One can help with my payments which I find ironic because when I did ask for help, and let it be known, since having this Capital One credit card, this is the FIRST TIME I asked for help, they spat in my face!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: CA

Complaint narrative:
I have been disputing an account that is unlawfully on my consumer report with XXXX, XXXX and Experian. 

They have refuse to even acknowledge the issue with my request and continue to send me cookie cutter dispute responses that doesn't address the issue. 

The request was for a Child Support account to be removed as the name does not match my legal name ( My legal name is XXXX XXXX XXXX and they are reporting it on my account as XXXX XXXX XXXX ) and the account should be removed due to it not meeting FCRA requirements. 

I also disputed this with the child support agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have now closed this account due to their error yet the it still appears on my report. 

I am demanding this account be removed as it is inaccurate and effecting my creditworthiness and not allowing me to obtain much needed business credit to improve my families situation. 

Attached is a letter from them proving that this account is now closed and it clearly still shows my legal name being in error which is an FCRA violation and should be removed from report for good. 

I am ready to take legal action if the request remedy does not take place as this is a direction violation of my rights. 


XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please, on several occasions I have contacted the transunion and XXXX agencies because I have some questions that I never authorize the companies to obtain my credit report, and they say they can not help me, these are the questions I am referring to : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2023-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I owe apparently to care now but I never received a physical mail paper with any account number to where I could pay that amount online. so I attempted to call the collection company which the company is called Eastern account and they were not helpful they would not give me an account number and Ive been trying to pay this off for a while but its just been a struggle and I dont have any physical mail to prove that actually owe anything. I know that I did call care now and they told me I owe money to them but they would not let me pay through them I had to go through the collections company but I dont have an account number to prove that I owe money so Im not really sure how to pay this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
They called me twice within a three hour period. I told them I dont work at XXXX XXXX anymore but Im pretty sure they still called there too. I may lose my job due to them calling my work.

Company response to consumer: Closed with explanation