vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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:
To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute. Federal Trade Commissions identity affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consu
mer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allegod identity theft, not later than 4 business days after the date of receipt.

It has boen 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN
GENERAL.

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XXXX XXXX Chase Credit Card. 

I started a 0 % interest balance transfer. Everything was fine and I never planned on using the credit card. Then I got an offer for a {$300.00} credit if I spent {$1000.00}. My 6 month vehicle insurance bill was coming up, so I charged that to the new card and received the {$300.00} credit. Now Chase is telling me that XXXX cant pay off the credit card purchase balance without paying off the entire balance transfer in full. 

This is against the Credit Card Act of 2009, Section 104.

Chase is essentially forcing me to pay interest by holding a balance on the credit card that I cant touch. And they used an advertisement/promotion to lure me into a trap that I can not escape.

I have paid enough to where I should not have any interest, but the payments do not get applied correctly. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Self Financial Inc.
State: MA

Complaint narrative:
Dear Self XXXX, XXXX, and XXXX, I am reaching out regarding inaccuracies on my credit report associated with my Self Lender account. After reviewing my credit in XX/XX/year>, I was surprised to find late payments reported for XXXX, XXXX, and XXXX of XXXX  on my Self Lender savings account. This account was specifically opened to build positive credit, yet these inaccurate entries have negatively impacted my credit score. 

I promptly filed a dispute to receive detailed explanations and evidence supporting this late payment claim. However, despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ), it has been over 40 days, and I have yet to receive the required documentation. Instead, the account status continues to update inaccurately. According to FCRA, Section 1681i, credit reporting agencies must investigate disputed information promptly and notify the consumer of their findings. The absence of such documentation violates this legal requirement.

Additionally, under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666b, I am protected from incorrect billing. Given that I have not received a physical loan from Self Lender and only made monthly savings contributions of {$48.00}, these late payment reports appear to be unfounded and misleading. The inaccurate reporting of this account as late violates both my consumer rights under 15 U.S.C. 1681i and 15 U.S.C. 1692g, which require accurate and fair billing and reporting practices. 

I respectfully request the immediate deletion of this account from all credit reporting agencies. In light of our prior good-standing relationship, I also request the removal of any associated late fees and a correction of these inaccuracies on my credit report. I trust we can resolve this swiftly without further escalation, allowing me to continue a positive relationship with your organization. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: AR

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I HAD TWO CREDIT CARDS ( WALGREENS AND SAM 'S CLUB ) ISSUED BY SYNCHRONY BANK WITH A CREDIT LIMITS OF {$2500.00} AND {$6000.00} RESPECTIVELY. 
i HAVE BEEN MAKING BOTH PAYMENTS ON TIME AND ABOVE THE MINIMUM PAYMENTS DUE EACH MONTH. NEVER MISSED ANY PAYMENT, BUT EVERY 60 DAYS THE BANK WILL REDUCE THE CREDIT LIMIT AND INFORMED THE THREE CREDIT BUREAUS THAT ADVERSELLY REDUCED MY CREDIT POINTS BY XXXX POINTS EVERY TIME THEY DO THIS. I WORK HARD TO PAY MY BILLS BUT THIS BANK CONTINUES TO DRAG ME BACKWARD ESPECIALLY WHEN MY LOAN WAS DENIED DUE TO THEIR BAD DECISIONS. I AM REALLY STRUGGLING TO STAY AFLOAT BUT THEY ARE THE STUMBLLING BLOCK IN MY FAMILY 'S FINANCES. 
PLEASE I BROUGHT THIS TO YOUR NOTICE FOR THEM TO STOP THIS CORPORATE DESCRIMINATION. I DID NOT DEFAULT ON MY MONTHLY PAYMENTS AND DO NOT DESERVE THIS UNJUST AND HARSH TREATMENT. LOOKING FORWARD TO HEARING FROM YOU. 
I REMAIN

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 2024-10-30 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: NM

Complaint narrative:
XXXX This account was past due as of XXXX due to divorce. They are reporting that my account is past due of XXXX days as of XX/XX/XXXX. I settled this account for less than full balance on XX/XX/XXXX with XXXX. XXXX say they cant do anything that XXXX is reporting incorrectly and XXXX says XXXX is. No one is willing to help 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 explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: ND

Complaint narrative:
I entered the XXXX program XX/XX/XXXX of XXXX, it was approved on XX/XX/XXXX. 
I received an online portal letter from XXXX that reflected that. 

I asked back in XX/XX/XXXX why interest was accruing on my student loans and got a generic response regarding frequently asked questions about interest. 

After checking my credit score on XX/XX/XXXX, I saw that my balance had increased on my student loans. After reviewing my student loans on the XXXX website I saw that they were still accruing interest, but my account is in an XXXX XXXX. 

The XXXX XXXX, which is now being challenged by federal courts is on pause. 
On the nelnet home page it directs you to the FAQ for studainaid.gov. 

On that site it states " While in forbearance, you do not have to make monthly payments on your student loans. Interest will not accrue during this forbearance. '' https : //studentaid.gov/announcements-events/save-court-actions On XX/XX/XXXX i sent another email to XXXX questioning the interest and requested that the interest be removed, XXXX also provided the information above. 

On XX/XX/XXXX XXXX responded that my account is in forbearance due to my application to XXXX XXXX to discharge my loans, that I filled on the Studentaid.gov website back in XX/XX/XXXX. 

I have not requested any personal forbearance on my student loans outside what the federal government has deemed for the interim of the XXXX XXXX. XXXX has not provided any communication regarding the reason to my forbearance status as being due to a borrow defense application. My last communication from XXXXXXXX XXXX on my online portal regarding my student loans was XX/XX/XXXX when I was approved for the program. 

As I was a part of the XXXX program, my student loans should be in XXXX XXXX and not accruing interest per the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: OCEANFIRST FINANCIAL CORP.
State: NJ

Complaint narrative:
A new company has taken over my mortage. They have requested an increase of over {$200.00} a month to take care of what they say is an escrow shortage. Have been faithfully paying off my mortgage for almost 25 years and have never seen an increase over {$20.00} a month let alone {$220.00} a month. I have emailed a request of a history of my escrow from whoever has taken over my mortgage from OceanFirst bank, have called OceanFirst bank. Have yet to receive any explanation in the two weeks since I stumbled on this change. I say stumbled on because I did not even get a mailing saying this change was occuring until XXXX XXXX. My mortgage is due XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-30 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: FL

Complaint narrative:
Hello, I was going through my credit reports and saw hard inquiries that did not have permissible purpose. 

XXXX XXXX. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b. 

XXXX XXXX XXXX. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b. 

XXXX XXXX XXXX. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b. 

XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b. 

XXXX XXXX . This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Kohls/capone This account was past due as of XXXX due to divorce. They are reporting that my account is past due of XXXX days as of XX/XX/XXXX. I settled this account for less than full balance on XX/XX/XXXX with XXXX. Kohls say they cant do anything that XXXX is reporting incorrectly and XXXX says Kohls is. No one is willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
Signed for and agreement with XXXX from door to door salesman to receive lawn care and pest control for XXXX on XX/XX/XXXX. Did not receive said service in agreement. Called to cancel service on XX/XX/XXXX with the office. Was told by the person on the phone nothing would be owed due to first payment being taken out. Got notice on XX/XX/XXXX that I was being put into collections for the amount of XXXX. XXXX XXXX did not send any communication that my agreement was still valid and I was being charged, even though I did not receive service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OK

Complaint narrative:
I do not believe the report that JeffersonCapital has put on my credit report is valid. It is listed as an open balance. I have no debt with Jefferson Capital

Company response to consumer: Closed with explanation