vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My fatherboat a car in XXXX and financed it through Chase Bank, my father got sick during the pandemic and lost everything financially, he had no choice but to file bankruptcy, the bankruptcy was filed XX/XX/XXXX and XXXX XX/XX/XXXX through the bankruptcy court my father requested a reaffirmation agreement which was never given to him, I was away in college and my father wanted me to keep the car, the car was originally a lease in XX/XX/XXXX and when lease was over my father bought the car outright so he financed it through Chase bank at the dealership, since I was away at college my father asked the dealer can we register the car in both names for insurance purposes and the dealer said yes no problem, so now I've graduated college and have a great job as a mortgage broker with a large company, I passed all background with them and took my state Exam and passed now I'm being denied appointments because the car is showing up on my credit report as charged off closed account with a balance of {$23000.00} and me as a, cosigner but when I pulled my credit reports its not on them, I never cosigned i was away at college, my father didn't request I'd be a cosigner just added to the registration, my father sent payments in which were never honored, he request come get the car, they haven't and when I asked which credit bureau they said XXXX but it's not on my XXXX, so I can possibly lose my career if this remains on my report, it's not fair to me and especially when my father tried at least 20 times since the discharge and never got a single response, but i honestly don't know if its an error because of the name or what, but I'm asking, pleading for your help, it's hard enough to come out of college and be fortunate enough to get a job and lose it because of an error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MS

Complaint narrative:
I recently called Chime banking to request for my bank information and previous in and out transactions. I never received anything and been hung up on several times. I also asked for my remaining balance that were in my account after my account being closed and still have yet to received my money after years of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I noticed that a XXXX  XXXX bankruptcy is reporting on my credit report without my prior consent. It appears that this information was obtained and reported without proper authorization. That is unfair! Obtaining and sharing potentially negative information without prior consent from the consumer is false and misleading. And the information is harming me. I am putting Trans Union, XXXX, and XXXX on notice about the crime and demanding for the unauthorized information to be deleted 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 2024-10-14 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: CA

Complaint narrative:
Experian removed the XXXX XXXX XXXX account OVER TWO YEARS ago due to the account being fraudulent. The identity theft report should be on file. I attached ANOTHER FTC Identity Theft Report showing the account is indeed fraudulent and to make sure this fraudulent account gets removed AGAIN and STAYS off of my report. This account was NOT authorized by me and is not mine.

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 2024-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: FL

Complaint narrative:
XXXX payment amount of XXXX I would like to have this payment placed on the back end of the loan or payment postponed without penalties or late fees due to Presidentially declared natural disaster that I am personally being impacted by.

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 2024-10-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit report contains mistakes under 15 USC 16c-2, specifically unauthorized inquiries. Please take action to remove them.

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 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I became the victim of a scam, in which the scammer was able to gain access to my bank account and credit card at Wells Fargo Bank. The scammer was able to complete a cash withdrawal of {$9000.00}. I was advised to meet with a banker, which i did the same day and he was able to close all of my accounts ( checking and credit card ) and new account numbers were issued. 
WFB then determined that the charge was fraudulent and they provided me with a provisional credit of {$9000.00} while they completed an investigation.

I later learned that WFB charged me a cash advance fee, and the interest associated with this {$9000.00} withdrawal. Because the credit card was set up as automatic payments, a miniumum payment of {$140.00} was withdrawn from my checking account. 
I never had any charges on this card, and because the {$9000.00} cash advance, and the fees/interest that have been charged, should be removed. Additionally, the {$140.00} payment that was automatically taken should be reimbursed to me.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Loans were sold and consolidated. I am on a payment plan and have not missed a payment nor have I been late as my payments are set on auto pay. However, my credit report shows I am late on several payments, which is not true. 

It's confusing what is consolidated and what's not. It's hard to understand. I have not received any collection calls or notices of payments that are being reported as late. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: MS

Complaint narrative:
SENT SEVERAL DISPUTES FOR ACCOUNTS WEEKS AGO THAT ARE REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. YOUR COMPANY IS IN VIOLATION OF THE FCRA FOR REPORTING INACCURATE AND UNVERIFIED INFORMATION ON A CONSUMER REPORT. THESE ITEMS MUST BE DELETED IMMEDIATLEY BECAUSE IT IS AGAINST FCRA REGULATIONS. I DEMAND THAT YOU DELETE AND BLOCK THESE ACCOUNTS TO AVOID LITIGATION AGAINST YOUR COMPANY ON MY PART. DELETE AND BLOCK THESE ACCOUNT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
In regards to account XXXX ; through the CFPB complaint process, I received an email from a " XXXX '', supposedly with the One Main Executive office in XXXX, IN. Email dated XX/XX/year> stated to call with any concerns. The n umber provided was : I left a total of XXXX voicemails for this " XXXX '' at XXXX, option XXXX, extn XXXX. The voicemails were left over a 14 day period starting on XX/XX/year>. The third time I tried to call this extension, a rude female answered the line. I explained who I was tring to contact and her reponse was, don't deal with customers '' Then hung up on me. She had a flippant tone and did not give me a chance to talk before hanging up on me. Through investigation, I was able to identify the female as being XXXX XXXX, a XXXX XXXX with One Main in XXXX, IN. Her number is XXXX, option XXXX, then extension XXXX. I inadvertently dialed her extension when I was trying to dial the other extension. I never received any callback from " XXXX '' as a result of leaving my voicemails. This horrible service is in line with outsourced call center mayhem and sub-prime lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In my dispute with Experian, I highlighted several accounts that I believe are inaccurately reported. The accounts include XXXX XXXX with a balance of {$0.00}, dated XX/XX/XXXX ; XXXX also with a balance of {$0.00}, dated XX/XX/XXXX ; and XXXX XXXX XXXX showing an outstanding amount of {$680.00}, dated XX/XX/XXXX. Additionally, I disputed XXXXXXXX XXXX with a balance of {$0.00}, dated XX/XX/XXXX ; XXXX, which has a balance of {$5200.00}, dated XX/XX/XXXX ; and XXXX, also with a balance of {$0.00}, dated XX/XX/XXXX. Furthermore, I questioned another account from XXXX XXXX XXXX with an outstanding amount of {$670.00}, dated XX/XX/XXXX, as well as an account from XXXX XXXX showing a balance of {$35.00}, dated XX/XX/XXXX. 

What is particularly troubling is that the statuses of some of these accounts vary significantly across different credit reporting agencies. For instance, the same account may be reported as paid, in collection, or derogatory depending on which CRA is being referenced. This inconsistency raises serious doubts about the accuracy of the information being reported.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S.C. 1681 Fair Credit Reporting Act. Right to Privacy! I have never given Equifax, XXXX or XXXX XXXX my authorization to sell or obtain my private information. 
Victim of the XXXX XXXX Data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: CITIBANK, N.A.
State: MS

Complaint narrative:
On XX/XX/year>, I received alerts from XXXX XXXX that two hard inquiries occurred on my credit around the same time. One was from " XXXX '' through XXXX. The second was from " CITIBANK., BEST B '' through XXXX XXXX I did not apply for credit accounts through either one of these. Apparently, someone has tried to open what looks like two credit card accounts using my social security number with these two retailers : XXXX and Best Buy. I have already contacted XXXX to cancel the card, but I am currently trying to notify Best Buy. I have not been able to contact the right people about the 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 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates , LLC ( PRA ) failed to validate an alleged debt as required by the FDCPA and violated the FCRA.

Without proper validation of the alleged debt, despite twice requesting proof in writing, PRA posted a derogatory collection to my XXXX and XXXX credit reports. 

A copy of the return receipt for the second letter -- dated XXXX XXXX XXXX -- is attached ) to dispute the alleged debt. 

By reporting this alleged debt to XXXX and XXXX, without marking it as disputed, PRA engaged in false and misleading representations, a violation of 15 U.S.C. 1692e ( 8 ).

By reporting unvalidated and inaccurate information to XXXX and XXXX, XXXX violated its obligations under FCRA 15 U.S.C. 1681s-2 ( a ). PRA is required to provide accurate and complete information to credit reporting agencies.

This action has hurt me financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  and sold to XXXX XXXX XXXX on XXXX under the account number ( private ), XXXX XXXX XXXX opened XXXX that appears related to the aforementioned. These accounts fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS.

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 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I had a fraudulent transaction on my PayPal account. They refuse to cancel it. I stopped payment at my bank, but PayPal is now sending me collection calls instead of taking the $ back from the scammer. This was supposed to be for a vendor spot at an event. When I called the venue there is no event and the FBI has been involved. PayPal refuses to cancel this transaction, even though I tried to cancel it within minutes. This scammer is still on XXXX scamming people because PayPal is being complicit in the theft. The amount is {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Victim of identity theft. Could not get in touch with a XXXX XXXX representative. Called Equifax and they told me they could not help me with out a report. I don't have a copy of my police report because all I have is an email saying there was a hard inquiry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Victim of identity theft. Could not get in touch with a XXXX XXXX representative. Called XXXX and they told me they could not help me with out a report. I don't have a copy of my police report because all I have is an email saying there was a hard inquiry on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have reported that the age of my credit is incorrect. And I have not received any responses back or any resolution.

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 2024-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I have an overpayment ( negative ) balance on a loan. I want that applied to my other loan that still has a positive balance or put back in my bank account. They will not do it despite asking twice. They told me I needed to call them to give them more information, but it is impossible to get a human being on the line. If you select an option to speak to a representative it starts the automated call experience over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: IN

Complaint narrative:
All three credit bureaus are reporting false debt on my credit report without my consent! I have settled debt and still have this negative report, causing me to not be able to extend 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 2024-10-14 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: IN

Complaint narrative:
All three credit bureaus are reporting false debt on my credit report without my consent! I have settled debt and still have this negative report, causing me to not be able to extend my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX XXXX opened a credit account with Synchrony Bank without my authorization. I have tried numerous times to contact Synchrony to close and remove it from my credit, and I have also contacted 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 2024-10-14 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: DC

Complaint narrative:
I am writing to formally request the removal of negative accounts from my credit report in accordance with the Debt Bondage Repair Act. These accounts were reported incorrectly as they are the result of debt bondage or other unlawful acts. I have enclosed the necessary paperwork that verifies this claim, including [ mention any specific documents, such as police reports, court orders, or government-issued documentation supporting your claim ].

I ask that you review the attached documentation and take the necessary steps to remove the inaccurate information from my credit report immediately. I am currently homeless and have included my passport for identification purposes. I understand that under the Debt Bondage Repair Act, you are required to remove or block any information associated with unlawful activity from my credit report. 
The following accounts should be removed : [ XXXX XXXX XXXX ] [ XXXX ] Transunion [ XXXX XXXX ] [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] transunion [ XXXX XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX XXXX XXXX ] - [ XXXX ] Transunion Inquiries to be removed XXXX XXXX XXXX XXXX Transunion ) XXXX XXXX XXXX ( Transunion ) Please confirm in writing once the negative information has been removed from my report. Additionally, if you require any further documentation or have questions regarding this matter, do not hesitate to contact me. 
I appreciate your prompt attention to this important issue and look forward to your swift response.

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