vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: GA

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe to be inaccurate. Upon reviewing my credit report, I noticed discrepancies that require immediate attention and correction. 

Specifically, provide details of the inaccurate information, such as incorrect account details, payment history, or other discrepancies I have attached supporting documents [ if applicable ] that clearly show the error and support my claim for correction. 

It is crucial to rectify these inaccuracies promptly, as they may have a significant impact on my creditworthiness. A correct credit report is vital for my financial well-being, and inaccuracies can hinder my ability to secure favorable interest rates or obtain financial services. 

I kindly request a thorough investigation into this matter and the prompt removal or correction of the disputed information. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. and I have already sent a dispute to the credit bureaus to move it and I contact the creditors but still haven't heard nothing back I appreciate your attention to this matter and request that you provide a written confirmation of the resolution once the investigation is complete. Please send any correspondence related to this dispute to you Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: SD

Complaint narrative:
I lost my wallet so I am trying to get everything taken care of new cars and drivers license, Social Security card, etc. somebody mustve found it because they got my XXXX XXXX  card and with Drew {$740.00} off my account Ive talked to them since it happened and Im getting nowhere Ive even talked to him tonight just a few minutes ago Im still sitting at work and got notification on my phone that dont try to withdraw {$200.00} on my bank account this late to it still nothing I asked for a refund because its fraud and I didnt take the money I had to put in there so I can buy tires off-line because I dont use my bank card online And then the money is gone and theyre giving me the runaround telling me its gon na take 45 days blah blah blah I dont have 45 days I didnt withdraw the money I had it there for specific reason somebody hacked it dont figure its not the first time someones hacked XXXX XXXX  and brush me off like nothing Im ready I think I want punitive damage if I had to go to court this is XXXX I took pictures of that Im still at work. What the XXXX do I got ta do I dont have my card theyre disrespectful they hang up on me. They hung up on me like 56 times today, I get nowhere with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I submitted a email to the CFO of Capital one bank as well az filing disputes with XXXX on inaccurate payment history reported to the XXXX major credit bureaus on two accounts I have with Capital One on the dates of XX/XX/2024, XX/XX/2024, and XX/XX/2024. On XX/XX/2024 I spoke with a rep at Capital One bank regarding both of my credit cards being inaccurately reported paid late for XX/XX/2024 as the month has just begun and the payments of {$33.00} and {$77.00} are not due until XX/XX/2024. the rep by the name of XXXX told me he has no control of changing what was reported to the credit bureau. i then filed disputes with XXXX on XX/XX/2024. dispute providing proof of the payment due date being in the future the incorrect payment status remained and no dispute was closed. this has affected my XXXX XXXX and caused it to drop XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to demand that you immediately remove inaccurate information from my credit report. It has come to my attention that my credit report contains fraudulent information that I have no relationship to. This is unacceptable and I demand that you take immediate action to rectify this issue. The following addresses are incorrect and should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX and XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this 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 non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
The loan assumption, with XXXXLakeview, removed me from the loan XXXXn XXXX of 2023. Ive been trying to close this account on my credit report ever since. I requested a release of liability letter and that someone return my call and give me an update, no one returned my call or followed up with 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 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Mercury Technologies, Inc.
State: CT

Complaint narrative:
Do not bank with Mercury ( Mercury.com )!!! 

1. Their debit cards do not have fraud protection systems built in. If fraudsters get a hold of it, they can run hundreds of transactions in under an hour and the debit card will let it them go through. I banked with several banks and none of them would normally approve more than 3 transactions going through in a sequence, the card would automatically block further transactions awaiting my confirmation via text, email, or phone call. Not the case with Mercury, on XX/XX/2023 my debit card was hit with over 100 unauthorized fraud transactions in under 45 minutes emptying everything in my checking account, the transactions only stopped because the card was declined due to insufficient funds. 

2. Mercury does not dispute fraud charges on their debit cards, they advised me to take it up with law enforcement after 20 days of back and forth, during which all I got was 4 paltry inadequate replies with a tone of overwhelming disinterest. 

3. They do not have any phone support, communications are restricted to email only and they usually reply once in 5 days. 

I am facing serious consequences because of this and I wholeheartedly recommend that do not bank with these online companies especially when say they are not an actual bank. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: MT

Complaint narrative:
In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies, such as Equifax, XXXX, and XXXX, exercise their significant responsibilities with fairness, impartiality, and due regard for the consumer 's right to privacy. 

Referring to 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the respective consumer. To this effect, neither the financial institution, as defined in 15 USC 6802, nor the consumer reporting agencies, Equifax, XXXX, XXXX, etc., possess my consent, whether explicit or implied, to disclose my information. All forms of consent, be they verbal, non-verbal, written, implied, or otherwise, are hereby revoked. 

Moreover, in compliance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how to exercise the nondisclosure option. In this instance, I was never informed of my right to exercise such an option. 

Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. This decision is made in light of the aforementioned legal provisions and the failure of the financial institution and consumer reporting agencies to uphold the necessary procedures and disclosures as mandated by applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2024-01-10 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2024-01-09 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: NY

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts 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 non-monetary relief
Consumer complaint received 2024-01-09 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: MS

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My chase bank app has a XXXX option. I used it bc its on CHASE APP as an option to pay. 
I have tried to purchase XXXX XXXX tickets. Sent XXXX payment via XXXX XXXX. {$500.00} Within XXXX minutes I realize it's fraud bc I only got XXXX ticket. So I call both phone numbers and they go straight to voice-mail. I hop in my car to go to XXXX XXXX to see if XXXX ticket I received via a fake electronic '' XXXX '' ticket is at least legit. I live XXXX minutes from XXXX XXXX; was told by XXXX XXXX XXXX its definitely a scam ). On way there I call chase and XXXX immediately. I give them the 2 phone numbers, one email address and 2 names linked to the person I supposedly paid. Both companies say oh well, no investigation and refuse to refund me. 
Chase is supposed to be a secure safe app. If so why do they offer XXXX as a payment??? When if fraud there's XXXX help? 
I asked this when I called chase told Representative I used my phone not PC for transaction. I was then told that a warning pops up from chase re XXXX in PC but not in phone transactions.. 
WHAT!!?? 
2 employees at Chase & 1 at XXXX all told me that Chase hardly if ever help with XXXX fraud NOR issues refunds. Yet they are able to pull all info up and see where, what email, what phone number and who my money went to!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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:
Account was opened fraudulently without my permission! 
Please remove from credit file immediately. 
Police report was made and 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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW WORLD COLLECTIONS, INC.
State: TX

Complaint narrative:
New World Collections never contacted me, or sent any letter disclosing this debt to me. I dont even reside in that state. It was not until the information was on my credit report that this debt was brought to my attention. Violating the FCRA. I continued attempts to contact the company, it was not until I opened a complaint with the XXXX  of XXXX XXXX ( XX/XX/2023 ) that I got a response from the company. I requested a validation of an item being reported to all three credit bureaus by New World Collections, and received my confidential medical records, including a patient ledger, dates, procedures and codes, as well as treatment information in response without a prior written release supplied by either company clearly violating my rights under HIPAA. 

In response to my complaint to the XXXX, New World Collections continues to violate HIPAA by openly discussing number of treatments, locations, payment amounts for visits, medical payment account types, and insurance information. 

In their own communication, New World Collections stated that I had a total of XXXX visits, but there are over 5 pages with over a XXXX charges, including multiple duplicate procedures that were allegedly performed. This information is clearly invalid as well. 

I informed New World Collections that i would be making a complaint about the clear FCRA and HIPAA violations in which they stated " they welcome it ''.

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 2024-01-09 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949XXXX : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I would like the monetary funds of {$9000.00} like they said they did or was going to do

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 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: KY

Complaint narrative:
On XX/XX/2023, I sent a debt validation letter to Debt Recovery Solutions, this letter explicitly requested the agreement between the original creditor that grants the authority to collect the alleged debt, the date of the original delinquency, verification that the debt was assigned or sold to the collector, and proof that they are licensed in my state to collect debt. On XX/XX/2023 XXXX XXXX sent an EMAIL with a copy of the original contract. I responded stating that the following items requested were not validated, in turn I was told to refer to the original email. 

Upon further investigation of the original contract, it is shown that this debt has been Re-aged by the collector. This is illegal due to FCRA Section 623 ( 5 ) ( A ) and I will exercise my rights to have this removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate information that has been reported on my credit report by Aidvantage - Federal Student Aid Loan Servicing. This concerns my student loan account accounts.

My credit report indicates that my student loan payments were on time for XXXX and XX/XX/2019. However, inexplicably, for XX/XX/2019, it is reported as being XXXX  days late. This progression is illogical and indicates a clear error, as it is impossible for an account to be current and then suddenly XXXX  days delinquent within a XXXX period. This inconsistency in reporting further substantiates the inaccuracy of the information provided by the servicer. 

Moreover, the report of a XXXX late payment in XX/XX/2019 is inaccurate as I was enrolled in XXXX XXXX XXXX at the time, making my loan eligible for deferment. Under the terms of my student loan and federal regulations governing student loans, my loan payments should have been deferred while I was enrolled in school.

This inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers of information to credit reporting agencies to provide accurate information.

15 U.S.C. 1681i ( a ), which outlines the responsibilities of the credit reporting agencies to conduct a reasonable investigation upon receiving a dispute from a consumer.

Despite my attempts to resolve this issue directly with Aidvantage, including providing proof of my enrollment in school, they have refused to correct this error. This ongoing inaccuracy is not only a violation of the FCRA but is also adversely affecting my credit score and, consequently, my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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 see attached docsfuments. Do not close this complaint stating it is not me. I am a natural person and a conljsumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: CA

Complaint narrative:
There are accounts under my name that is a result of Identity Theft as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.

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