vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
XXXX university refused to send my transcript to a different school even though I used student loans while I attended the school. The school says I have a balance but I was told my one of the academic counselors that I dont have to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
Case # : XXXX Mon, XX/XX/2023 at XXXX XXXX  Dear Incomm, Please see the required information requested. I have provided a copy of my credit card statement highlighting the purchase for the cards in question. 

If you require further information, please let me know and I can provide a quickly as possible. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a bank wire for {$200000.00} and my account was immediately restricted. I called and spoke with several employees and I was reassured that I would receive my funds soon. On XX/XX/XXXX my account was closed and my funds were debited. I called for a status on my funds and Chase bank employees informed me that my funds were being investigated and nothing has changed since the XXXX of XXXX. I told them we have no legal binding contract since my account was closed on XX/XX/XXXX and I would like my money. They refuse to tell me why it's being investigated, the bank wire came from a real estate title company and a local bank. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) I was rude in a phone call and I feel I am being scolded and funds are being held for that. It has been 16 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: FL

Complaint narrative:
My name is XXXX XXXX and I recently noticed the presence of fraudulent accounts on my credit reports. These accounts are damaging my financial situation and negatively affecting my ability to obtain new credit. 

I respectfully request your assistance in investigating and removing these fraudulent accounts from my credit reports as soon as possible. Correcting this situation is crucial for restoring my financial health and preventing future issues. 

Thank you in advance for your attention and assistance in this matter.

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 2024-06-13 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: TX

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding Unauthorized Re-insertion of Debt on Credit Report To Whom It May Concern, I am writing to formally dispute the unauthorized re-insertion of a debt on my credit report. I have already disputed this debt, and it was previously removed. The recent reappearance of this debt on my credit report without proper validation and notification is a violation of my consumer rights. 
I request that the Consumer Financial Protection Bureau investigate this matter, as the actions of the collection agency may be in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking the following regulations and laws relevant to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the necessary information about this debt, including my right to dispute it within 30 days. I request evidence that this information was supplied to me as required by this regulation.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification about the re-insertion of this debt or my rights to dispute it. This lack of notification violates this provision, which mandates clear communication of my rights. 
3. 12 CFR 1006.34 ( d ) : The collection agency appears to be using false, misleading, and deceptive means to re-insert this debt. Such practices are prohibited under this regulation, indicating a violation of my consumer rights. 
4. 15 USC 1681-S 2 ( 7 ) ( A ) : Reporting this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a violation of this statute. This law requires creditors to provide accurate and fair information to consumer reporting agencies, which has not been followed in this case. 
I request that you provide me with a detailed method of validation for the re-insertion of this debt. This includes : Proof of the process followed for validation. 
The names and contact information of individuals spoken to during the process. 
Copies of any emails sent regarding this matter. 
Certified mail receipts or other forms of documented communication. 
Without proper validation and notification, the re-insertion of this debt is both unlawful and unjustified. I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this matter is fully resolved. Please respond to this dispute within the legally mandated time frame and confirm receipt of this letter. 
Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: NC

Complaint narrative:
According to FCRA 605B, I believe we must delete any erroneous accounts from my credit report. Could you review the documents? Some accounts listed have inaccuracies in their reporting, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Debt Notification and Request for Verification To Whom It May Concern, I am writing to formally dispute a debt that I have recently been made aware of. According to my records, I have not been notified of this debt previously, nor have I had the opportunity to dispute it. I am requesting that you investigate this matter thoroughly as it appears that my consumer rights have been violated. 
Specifically, I am invoking the following regulations and laws that pertain to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the required information regarding this debt, which should include my right to dispute the debt within 30 days. I request evidence that this information was provided to me in compliance with this regulation.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification of the debt, nor was I informed about my rights to dispute it. The lack of proper notification violates this specific provision, which mandates clear communication of my rights.

3. 12 CFR 1006.34 ( d ) : The collection agency 's actions appear to be using false, misleading, and deceptive means to collect this debt. Such practices are prohibited under this regulation, and I believe my consumer rights have been infringed upon.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : The reporting of this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a direct violation of this statute. This law mandates that creditors provide accurate and fair information to consumer reporting agencies, which has not been adhered to in this case.

I also request that you provide me with the certified mail receipt that includes my signature, indicating that I received notification of this debt. If you can not provide this, it will further support my claim that I was not properly notified.

I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this matter is fully resolved. Please respond to this dispute within the time frame mandated by law and confirm receipt of this letter. 
Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against GM Financial regarding a deceptive " Junk Fee '' that was disguised as an " Acquisition Fee. '' I was charged this fee when my truck ( XXXX XXXX ) was deemed a total loss on XX/XX/year>. 

The GM Financial Total Loss department has refused to provide me with written documentation detailing the charges against my account that led to the refunded amount. They claimed that, as a result of my total loss, I was charged an acquisition fee, which I had agreed to per the lease documents. While I did agree to an acquisition fee as part of the lease agreement, I should never have been charged this fee on a totaled vehicle. 

This practice appears to be a widespread issue, as consumers experience total losses every day. GM Financial 's deceptive practices are generating millions of dollars through these junk fees, which are misrepresented as acquisition fees when no acquisition actually takes place. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to prevent such unfair and deceptive practices in the future. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX/XXXX/24 Chase Bank abruptly closed my joint cg cling account # XXXX, without my approval or even knowledge. The abrupt closure of this account was shrowded in complete secrecy. 

When I called Chase Bank customer service to discuss the abrupt closure, and their reason for this action, I was told that the reason for the account closure would not be identified, because Chase Bank had no requirement to discuss it. 

I called Chase Bank 7 more times within the next 24 hours, and I received the same curt canned response each time. Surprisingly, my personal checking account, personal savings account, and XXXX Chase credit cards were unaffected by this rogue action. Chase Bank refused to explain why just my joint account was abruptly closed without notice. 

I learned of the joint account closure when I attempted to transfer cash into the account, using Chase Banks website. I received no descriptive error, only that the transfer failed. I was informed of the account closure when I called Chase Bank to inquire about the account transfer failure. 

This egregious action by Chase Bank has caused an immediate financial hardship, as I have preauthorized numerous merchants to deduct various monthly amounts for household expenses, everything from my mortgage, auto insurance, utility bills, internet and TV cable, etc. 80 % of these household expense merchants attempted to debit this closed joint account between the dates XXXX/24-XXXX/24. The remaining 20 % of the household expense merchants will attempt to debit this account between XXXX/24XXXX/24. 

To date I have been charged over a XXXX dollars in late fees. And its only been 2 days since the abrupt account closure. 

I request assistance from the CFPB to file sanctions and penalties against Chase Bank for this unprofessional conduct regarding my joint checking account closure. 

Additionally, I request assistance from the CFPB in the recovery of late fees directly resulting from the unprofessional conduct. 

I reserve my right to sue Chase Bank for recovery of any fees that can not be recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I noticed several charges on my USAA credit card for purchases made at XXXX. I contacted USAA and let them know that I did not make the purchases. Several weeks later, I received two letters stating that my claim each for {$370.00} ( Total {$740.00} ) was denied because the merchant ( XXXX ) provided information that showed the purchases were authorized and that I was responsible for payment. I then contacted XXXX and found out that someone opened an account with them under my name and email address. It appears that whoever did this, picked up the equipment and XXXX did not check IDs to verify it was me. After reviewing my email I do recall seeing the emails from XXXX, but I thought they were fishing emails. However, as soon as I saw the changes on my account I contacted USAA. I have since contacted XXXX to alert them that the account opened under my name is fraudulent and also contacted the three credit bureaus and reported the matter to the FTC. I am a long-standing customer of USAA with an impeccable credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My Venmo account was frozen due to suspicious activity and Im not able to transfer or withdraw money .i contacted XXXX and they said theyre not able to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-06-13 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: NC

Complaint narrative:
FCRA 605B likely requires us to eliminate any inaccurate accounts from my credit report. Could you look over the documents? Some of the accounts listed show errors in their reporting, amounts, and dates.

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 2024-06-13 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-06-13 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
According to a CFPB boleting, effective XX/XX/year>, XXXX and XXXX will also no longer include medical collection debt under at least {$500.00} on credit reports. I have made a payment, and it's still showing an incorrect balance ; still showing on my credit.

Company response to consumer: Closed with explanation