vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to complain to JPMCB HOME about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've a credit card from XXXX. My XXXX payment information has been continuously being misreported to the credit bureaus for months. Here 're the things that are being misreported. I've no open balance on my one and only XXXX card, everything 's fully paid. I paid the {$99.00} balance on XX/XX/2023, and the ACH debit payment was posted on my account as well. Whenever I login to my XXXX account, I see that I've {$0.00} balance. But, on my credit reports it's showing that I've a {$99.00} open balance for my XXXX card, which is clearly false. I was supposed to have {$0.00} balance on my one and only XXXX card, instead they're reporting that I've {$99.00} balance on my XXXX card, with false late payments still being counted. I've previously contacted XXXX about this, and I was told that the correct information will reflect on the report within 30 days from the payment date. So far, it's already been 5 months since the payment was made. XXXX has been reporting the false data to all credit bureaus ( TransUnion, XXXX, XXXX ). XXXX previously removed the false late payment from my credit report, but on XX/XX/XXXX, they've again reported false information to TransUnion saying that I've {$99.00} balance. This's a major issue and seriously has to be fixed.

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 2023-09-12 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: IL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Representative told me my debt was {$260.00}, which is what I paid. After the fact, I learned that I paid a settlement amount. My debt was actually {$350.00}. I called and spoke to an office manager who engaged in abusive behavior. Used foul language and refuses to acknowledge any wrong doing on the company 's behalf.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: CO

Complaint narrative:
Bought a car from CarMax and loan is through CarMax auto finance. They falsely advertised the inspection of the car and it died in 30 days. I surrended it back and WAS told by the first calls to CarMax auto finance to leave it there at there repair partner shop XXXX XXXX. Waited and found out CarMax abandoned the car and the loan as stated in multiple call records. XXXX XXXX took ownership of the car and sold it. CarMax auto finance is the title holder of the car and they were responsible for the car and abandoned it. They no longer own the title to the car and will have to reach out to XXXX XXXX  for the loan payoff as they took ownership of the car and sold it. I'm not longer responsible for the loan as the states multiple times in call records that's they abandoned the car and the loan and no longer own the title. Police report was filed as I thought the car was stolen but found out it was sold by XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: NY

Complaint narrative:
I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS 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

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 2023-09-12 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: TX

Complaint narrative:
This letter aims to address some issues with the credit report that is currently being held in my name. Reviewing this report has revealed inconsistencies that demand immediate attention. After thorough examination, I discovered that some accounts require urgent attention to guarantee a true portrayal of the data. 

As a consumer who is familiar with the provisions of the Fair Credit Reporting Act ( FCRA ), you are aware that the law permits a request for an investigation into the credit report in the event that there are any disagreements regarding errors. 

Getting an accurate picture of the financial situation from the credit report is the main goal. In order to improve accuracy and fairness in the credit reporting system, these discrepancies should be addressed. It is anticipated that a resolution that is advantageous to all parties involved can be reached with your cooperation and compliance with the FCRA. 

We value your help in reviewing the errors in the credit report and correcting them, as well as your prompt reply. It would be fantastic if this dispute could be settled within the time frame required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Hello- I have a private student loan with Navient ( was SallieMae ). It was 2006. The school is The XXXX XXXX XXXX XXXX. The school is closed and has been for a couple of years. There was a lawsuit against the school and we the students won. My federal student loans were removed completely. 

The private loan was suppose to be removed as well and it did not. 

I do Not have a transcript, a degree, anything from the school due to the fraudulent activities they did. 

Navient is not looking into this matter and is ignoring my concerns and responses. 

The loan isnt paying off anything or towards any education received or earned. Navient removed personal loans from other students but not me. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have submitted endorsed promissory note to indentured trustee for XXXX XXXX XXXX, which is XXXX XXXX XXXX ( XXXX XXXX ) for the proper cancellation of debt. According to the Securities Exchanged Act, Bankruptcy Banking Act and Indentured Trustee Act, there are liable and responsible for the fraud that is happening. I have specifically requested the True Bill of Sale and proper tax filings for the charged off account held with XXXX XXXX XXXX. They provided a copy of installment contract and it does not match the payment amounts that I was charged. If the contract states my monthly payment was XXXX, why are you saying my payment was XXXX? 

Doesn't matter if its a XXXX dollar difference, the contract was changed after I left the dealership. and that is FRAUD. I did not sign any contract for a monthly payment amount of {$680.00}, that is not what the contract specifies. THIS IS ACTUALLY A BILLING ERROR AND MUST BE ADDRESS. WHY WERE YOU CHARGING ME A DIFFERENT MONTHLY PAYMENT AMOUNT THEN WHAT WAS AGREED IN THE CONTRACT. REFER TO THE PAYMENT HISTORY AND INSTALLMENT CONTRACT YOU SENT ME. 

If the account is charged off you should have filed a form with the IRS and as the debtor I should have received it, so why are you continuing to report a late payment for an account that has a XXXX monthly payment? 

The Right of Rescission does apply here due to legal cause because you changed the contract terms first without my permission. 

THE PAYMENT HISTORY LIST FUNDING ON XXXX, MAY YOU PLEASE EXPLAIN TO ME WHERE THIS FUNDING CAME FROM? DID YOU GIVE A LOAN TO XXXX XXXX, DID XXXX XXXX GIVE YOU OR LOAN, I WAS NEVER GIVEN ANY AUTO LOAN? SO WHERE IS DID THE FUNDING IN THE AMOUNT OF {$39000.00} COME FROM AND WHERE DID IT GO BECAUSE I NEVER RECEIVED ANY CHECK OR LOAN.

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 2023-09-12 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: MD

Complaint narrative:
Equifax has failed to conduct an investigation into the information being furnished on my consumer report. All of the accounts furnished on my consumer report shall be excluded from my consumer report because they contain information solely as to transactions between me, the consumer and the person making the report. That information must be removed from my consumer report as it should have been excluded from the beginning if Equifax complied with the FCRA. 

Equifax also is reporting inaccurate information on my consumer report and I am a victim of identity theft as my privacy was breached from the Equifax data breach. 


I disputed the accounts and Equifax failed to give notice of the dispute, and claimed that the information was verified without verifiable proof, and without showing their method of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: IL

Complaint narrative:
I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XXXX of XX/XX/2023 I saw an email from Wells Fargo bank saying that there has been an attempt on the XXXX of XXXX to withdraw money from my checking account using my debit card in the amount of {$5000.00} at XXXX XXXX but the e-mail said that the transaction had been declined I look it at my account online and discovered that there was also a {$2000.00} purchase made in California on the same day. I immediately called the fraud department of the Wells Fargo and they told me the account would be locked up. The next morning I went to a Wells Fargo branch and file a formal written complaint about my card being used for an unauthorized withdraw of {$5000.00} and a purchase of {$2000.00} after a few days we called the fraud claim department and they informing me that my claim had been denied so then Ive added more documentation and information to open an appeal. About a week and a half later they informed me that they had declined the claim. While I was in the branch office, they asked me about a phone number that had been utilized to make a transfer on my account and I told them I did not recognize the number they also issued me a new debit card on the date I did the formal complaint.

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 2023-09-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: TN

Complaint narrative:
I simply just use this cash app and card for cash..recently I purchased XXXX dollar stock option ... I don't know if that may have caused a problem but they are falsely accusing me of setting up a direct deposit which I absolultely do not have. I worked in XXXX and I am a former XXXX ..they hang up..they send email after email..I still have XXXX dollars owed back to them for a loan they authorize but they wont allow me to add money to pay it back..I want them to stop falsely accusing me..no offense but it is the XXXX and XXXX on the phone..my point is they are not XXXX speaking I believe in XXXX and I do not judge but I have high security clearance I want this stopped!! I want my loan paid back and I want my stock of XXXX sent to me on the other stock option it was just XXXX and XXXX. they refuse to tell me why they are acting this way, ,AGAIN I DID NOT AUTHORIZE DEPOSITS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
My mortgage was transferred to Mr. Cooper starting XXXX XXXX. On XXXX XXXX, the auto draft and an extra payment of {$1900.00} was pending in my bank and with Mr. Cooper. I did not set up the new acct with Mr. Cooper till XX/XX/XXXX. Upon getting into my acct., I noticed that an extra payment was made, not by me, and that it was drafting out of my acct. I called Mr. Cooper and asked about it. I spoke with XXXX XXXX, she accused me of being the one that made the payment on XX/XX/XXXX. After going back and forth, she said that if it wasn't me then it was fraud. I agreed to launch a fraud investigation into this matter. I could not have made the payment online when I did not create my account till XX/XX/XXXX. They told me to wait till the payment has cleared and then they will refund the error. I asked, what if the funds are not there to draft? Then I will be getting a XXXX  and over draft fee as well. She argued more with me and continued to say that it was my fault or fraud. If I say it was me then they will not launch an investigation, if I say I didn't make the payment then they will send it to the fraud dept. I asked how it is fraud when it was paid from my bank to my mort. She said because I am saying I am not the one that made the payment. I was sent to the escalation manager and told the same thing. This phone call lasted 45 min. 
I then did on line chat on XX/XX/XXXX. I asked to be kept in the loop about the investigation into why this happened. XXXX said they will keep me in the loop via email. I then called the number XXXX gave me to speak to the payment dept. I noticed that the payment had now cleared. I called the number and spoke with XXXX to help me with the refund. She did get the refund going back to me since it had cleared my bank. I then asked her how the investigation was going. She noted that their is not one. I explained to her my phone call the day prior. She confirmed my story in her notes but no investigation had been launched. She then set one up and sent it to the correct dept. 
With in an hour or so later, XXXX called back and said they looked into it and found out it was an inhouse error. When the loan transferred something happened and it double dipped my payment. This clarifies that XXXX did not know what she was doing, did not look into my issue or report the fraud and was so rude and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: FL

Complaint narrative:
In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: NJ

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: Mortgage Research Center, LLC
State: TX

Complaint narrative:
ON XX/XX/2023 WHILE CHECKING MY CREDIT REPORT ON CREDIT KARMA I NOTICED THAT VETERANS UNITED HOME HAD MADE A HARD CREDIT INQUIRY ON MY CREDIT REPORT. THAT WAS TOTALLY UNAUTHORIZED. I ALREADY OWN A HOUSE PURCHASED A HOUSE FINANCED WITH XXXX XXXX I HAVE EXCELLENT CREDIT THIS HARD INQUIRY CAUSED MY CREDIT SCORE TO DROP. PLEASE INVESTIGATE AND REMOVE. I SPOKE WITH XXXX A REP AT VETERAN UNITED HOME XXXX XXXX XXXX HE ADVISED ME TO FILE THIS 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 2023-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Credit Management has placed a collection on my credit reports in the amount of XXXX. I do not owe this balance. I DO NOT have an account with XXXX ( which is who they purchased this fraudulent account from ). This is myself letting you know that this account that you have listed is FRAUDELENT and a RESULT OF IDENTITY THEFT and i would hope that you take those seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I became XXXX and was XXXX and XXXX XXXX  I informed the company after sometime they came to get my car and it wasnt at the location it broke down I told them exactly where the car was and all this was 9 years ago and its still on my credit and recently in XX/XX/2023 there is a new inquiry from them

Company response to consumer: Closed with explanation