vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-09 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: DC

Complaint narrative:
I contacted Navient, XXXX, XXXX and XXXX starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES AcXXXX and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

Navient never responded. 

XXXX has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

XXXX and XXXX never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I was approved for XXXX benefits in XXXX. However, by XXXX I still had not received a debit card with my benefits. Upon calling the card issuer, Money Network Financial , LLC ( d/b/a My Bank Direct, XXXX XXXX XXXX XXXXXXXX XXXX ), they told me the card had been activated on XX/XX/year> and that the entire balance save XXXX cents had been withdrawn or spent at ATMs and grocery stores in XXXX XXXX, CA XXXX XX/XX/XXXX and XXXX. I live in XXXX, and had never received the card, much less activated it, so I was completely baffled as to how this happened. I have informed delivery with the XXXX postal service, which shows me all pieces of mail that are delivered to my home. The envelope with the card was never even mailed. From there, I filed a police report, contacted Money Network, and told them everything that had happened. They put in a claim for me so that the fraud was now officially listed and in an effort to get those funds back to me. They said a new card would be sent. I never actually received that XXXX card! Then, on XX/XX/XXXX, when I went on the XXXX website to certify for benefits ( you do this every XXXX weeks ), I was told XXXX already been done on the XXXX over the phone. This money was released to Money Network and I never received these funds either. Money Network was unable to tell me where these funds when. Also on XX/XX/XXXX, I received a notice that I would not be reimbursed for the money that had been stolen, as they had electronically verified the account. Meaning, they used a PIN when making the purchase but thats because the fraudsters opened set their own pin when they activated the card! So at this point, both my XXXX account and Money Network card have been fraudulent stolen/used. Ive spoken with XXXX and they said this is on Money Network and they can not assist, though everyone is in agreement that the XXXX are related and likely the result of a professional fraud ring. 
At this point, XXXX down thousands of dollars, Money Network wont return any of my calls or emails, and XXXX behind on my bills. 
This is UNACCEPTABLE as this was stolen from me and XXXX now forced to spend money on late fees, etc because they wont do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Kindly update my account and remove the inaccurate late payment.

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 2024-04-09 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: GA

Complaint narrative:
The following is being reported to my transunion credit report. Someone have opened up fraudulent accounts in my name an collection agency has started a collection on my report stating that I opened up XXXX XXXX XXXX XXXX... Ive never been to XXXX ever... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX These inquiries I have no Knowleged of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/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 2024-04-09 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: DISCOVER BANK
State: IN

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT I AM THE VICTIM OF THE XXXX XXXX DATA BREACH I AM DISPUTING THE XXXX ACCOUNTS OPENED ON OR AROUND XX/XX/XXXX THROUGH AUGUST 0F 2018. 

I DID NOT OPEN OR AUTHORIZE DISCOVER BANK TO OPEN A CREDIT CARD ON XX/XX/XXXX AS OF THIS LETTER I HAVE FILED MY XXXX FTC AND POLICE REPORT OF XXXX. 

I HAVE ALL THE PROOF THIS IS NOT MY ACCOUNT- DISCOVER IGNORES THE EVIDENCE. 

THE POLICE HAVE AN ALLEGED SUSPECT ALSO. 

PLEASE REMOVE FROM MY CREDIT BUREAUS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a XXXX XXXX XXXX  credit card through XXXX XXXX My name is XXXX XXXX XX/XX/1993, my previous XXXX number XXXX XXXX XXXX XXXX. This has been on going for months & It was brought to my attention that a checking account with chase which does not belong to me has been being charged. XXXX XXXX refuses to chargeback that card unless the owner of the account charged files a dispute with their bank which is chase. i did not authroize those card payments nor did the person whos account it is. XXXX XXXX basically told me i have to take it up with the persons bank but i was never authorizing those charges to be paid with that account since it is not even my account and i never added it to my XXXX credit card. XXXX was my pervious case XXXX who was VERY good with XXXX XXXX It has been on going for months now & i have yet to have a resolution. I tried to be patient but it has been months & they only contact me if i reach out first. The person whos account it was has made a cfpb case against XXXX XXXX as well & they refuse to help her get the money back into her account because she is not a XXXX XXXX customer. Her case XXXX was XXXX XXXX who also has my info ) & the case number is XXXX. The person who's account was being charged is XXXX XXXX. We are trying to get this resolved & hoping XXXX XXXX XXXX chase does the right thing by sending her the money that is owed to her otherwise we will have to take further actions. XXXX XXXX is telling me the only way they can give her the money back is filing a dispute with chase ( her bank ) but chase wont dispute the charges. im reaching out asking that chase helps file a dispute for these charges even some that are from XXXX can be reached at XXXX XXXX if XXXX XXXX needs to contact her to get her her money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CL Holdings LLC
State: NV

Complaint narrative:
I am writing to file a formal complaint against Jefferson Capital System, LLC regarding their unauthorized sharing of my nonpublic personal information with non-affiliate third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 
On ( XXXX ), I notified Jefferson Capital System, LLC, that I am opting out of any and all authorization, whether written, unwritten, verbal, non-verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agency, for any purpose other than those necessary to provide me with financial products and services.

I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documents of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Jefferson Capital System , LLC has continued to furnish my nonpublic personal information to non affiliate third parties and consumer reporting agencies without my consent. 

The unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Jefferson Capital System, LLC, complies with all federal regulations and laws, including the XXXX to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Jefferson Capital System , LLC. 

Please feel free to contact me at XXXX or XXXX if you require any additional information to proceed with this investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights. 



Thank you for your time and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I see that you verified the account listed below : XXXX : Account number : XXXX, Not correct. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

XXXX XXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2024-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In XX/XX/year> my mortgage company XXXX XXXX XXXX XXXX ) tired to charge my bank account using auto pay and due to an error on the bank ( that just got purchased by another bank and was making changes that caused issues ) my lender did not report to me that payment was not accepted by the bank until after 30 days, at which point they have already marked my credit report with a 30 days late issue. 

I have then resolved this issue with the bank and the lender which reinstate my account to good standing but apparently did not correct the 30 days late in the credit report. I discovered this a year later when I got my credit report. I ask them to correct this, and they said I can only fix it by asking the credit agencies to correct it via a dispute. I have submitted a dispute and got a response back from Experience and Transunion. Both reports indicate that something was corrected but do not indicate what it is, but also indicate that the 30 days late item was not corrected but did not explain why. 

When I asked them about it both told me to go back to the lender and have them fix it but the lender says no, the credit agencies have to fix it. They are both refusing to help.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
The company in question reports as a attorney on credit report with XXXX and also states that there is an open account that I have no knowledge of an open account with the company. Checking all my records to date all alleges accounts are in fact closed are reported as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
The company in question reports as a attorney on credit report with XXXX and also states that there is an open account that I have no knowledge of an open account with the company. Checking all my records to date all alleges accounts are in fact closed are reported as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I was contacted by Portfolio recovery associates llc from XXXXXXXX XXXX about 2 separate collections accounts resulting from charge offs. They reported these to the credit bureau and has shown up on my credit report. Also trying to collect payments from me. I looked this company up on nmls consumer website to verify their license to collect in wv ( where I reside for over XXXX. ) They are not licensed to collect here at all. I know a lot of people here in wv that have been harassed and taken to court by these people. Very bad business practices and they never admit they have no right to collect here in wv.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: NJ

Complaint narrative:
I always pay on time and never missed a payment.

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 2024-04-09 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My wallet was stolen and I made a complaint and haven't heard anything back yet the theft was from a previous employee from the bank who knew my card was on the way and quit the bank before my card was stolen

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 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK
State: CA

Complaint narrative:
On XX/XX/year> I made a deposit at East West Bank in XXXX XXXX, CA via a check given to me and they stated they would put a hold on it till the following Tuesday to clear it. Also I transferred {$3800.00} to my XXXX account. 
Today on XX/XX/year> I contacted the East West Bank and was told the check is still on hold, and they didnt know where the {$3800.00} went as they had transferred it to the XXXX account! I called XXXX and they still do NOT have the money so not only {$3800.00} is missing but so is the check I deposited to East West Bank. I spoke with a XXXX XXXX at the East West Bank and he hung the phone on me and he was supposed to be the supervisor! I need help locating my money with East West Bank in the XXXX XXXX branch!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was with citi bank they closed my account but I had XXXX XXXX dollar I tried reaching out to them I called them I went to the branch I still havent received a check in the mail or anything I jus need help getting my money out before I become homeless next month

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