vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: U.S. BANCORP
State: IL

Complaint narrative:
My identity have been compromised and used to open several fraudulent accounts without my knowledge or consent. these accounts have been placed on all three of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: IL

Complaint narrative:
My identity have been compromised and used to open several fraudulent accounts without my knowledge or consent. these accounts have been placed on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX, I filed a CFPB Case : XXXX against Capital One in reference to an unauthorized inquiry. Capital responded in a letter that the hard inquiry will be removed. The inquiry has yet to be removed. I've contacted Capital One over the phone and didn't get resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I ordered king crab legs from a XXXX add XX/XX/XXXX or XXXX 2023 for {$74.00} for a party. The add said they come from XXXX. It was free 2 day shipping in dry ice. I never received crab legs. Website that was in XXXX ad no longer exists. When I tried to go to website afterwards it kept re directing me to a website that sells clothing and accessories! After repeated attempts to get information from American Express I decided to file this complaint. I have reached out to XXXX  multiple times letting them know I did not receive what I ordered they said when they reached out to the company that the company said they sent me something and the date they said it was delivered. I explained the only thing I have received in mail was a cheap pair of earbuds ( I did not order ) but it was not from company charging me. I asked what the company said that they sent me, XXXX would not tell me I asked for copy of response from company XXXX representative said she would email it to me she did not, instead she sent an email letting me know how to file fraud charge. Which I had already done. They closed the case I filed another complaint then I called and said it would not let me send finish filing the fraud charge complaint because it was for same reason as before and that one had been closed because the company said they sent me something. So she took information over phone and kept saying well its been several months since the charge! I said I know and I filed a fraud claim immediately when what I ordered was not received when promised, so she filed fraud charge again then they closed both because they said I started one on internet that was open ( I could not complete ) and then called and submitted again so they couldnt have XXXX open at once for XXXX complaint. So they closed BOTH! I call again guy says company making charge said you received something, this time he gave me a tracking number and shipping company. So I went online typed in tracking # it showed nothing I emailed shipping company asking them to send me information on the tracking # they never responded. This has been going on for months now. The simple fact is I ordered consumable crab legs that was supposed to arrive in 2 days they never arrived. The company making charge says I received something but no one knows what it was or has proof that it is I ordered. I have repeatedly requested the information from American Express which they never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I received a letter from Jefferson Capital LLC stating that I owe XXXX XXXX and the amount owed is {$56.00}. I have never had XXXX XXXX  XXXX  a day in my entire life. I tried to call and explain that to them. They kept asking me for my social security number. I asked them how did they obtain my personal information and they didnt answer me. The fake account # is XXXX and the reference # is XXXX. Im distraught because I know this is fraud! Please help! I dont know how they got my personal information. This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: PA

Complaint narrative:
XXXX violating 15 USC 1681b Permissable purposes of consumer reports along with divisfied adjustment and experian no utility bill should ever hit any credit report violating FCRA also violating 15 USC 1666-CORRECTION OF BILL ERRORS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: IN

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving 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 2023-10-10 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: IN

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have had a Chase Freedom credit card for a long time. Chase recently sent emails notifying Freedom cardholders that they would be upgraded automatically to Chase Freedom Unlimited. They proceeded to run a hard credit check for the automatic upgrade, which I believe might be illegal. My credit is frozen, so they sent me a letter through online account that the application was denied. I've spoken with Chase Card Services already. I don't want to lose my current credit card, but I am not willing to have a hard credit pull for this Product Change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: PA

Complaint narrative:
I called XXXX prior to applying for a checking account and verified that a hard inquiry would not be ran to open a checking account. The representative told me that it is only ran on credit products. To my surprise, my Equifax report shows that XXXX ran a hard inquiry on XX/XX/2023. This inquiry was not authorized and I'd like to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I fell behind on payments in XXXX of XXXXMy payments were XXXX a month. The car was repossessed in XXXX of XXXX. I had to pay around XXXX dollars ( but was past due XXXX  months including XXXX to be around {$2500.00} and XXXX a month late fees to be a total of {$2500.00}, They have around XXXX past due ). I asked about a payment arrangement to get caught up but they never really gave me one. They stated that I needed to pay XXXX at the end of XXXX. I missed that payment date but paid XXXX the XXXX week of XX/XX/XXXX and another XXXX at the end of XXXX. I continued to pay as I could and ended up calling them in XXXX of XXXX to set up a payment arrangement as by that time they had me past due {$4300.00}. The advised me to start paying XXXX every XXXX weeks. I continued to pay and as of XXXX I am still past due {$3700.00}. The offers they are giving me dont seem to be paying off the past due balance at all. Even with a few payment not being the total amount it never seems to pay off the past due amount. They can never give me an explanation or what they do give doesnt even make any sense. The balance started out at XXXX balance now is XXXX. Thank you in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WV

Complaint narrative:
On XX/XX/23 I received a phone call from Chime around XXXX and the guy said there may have been fraudulent activities on my account. He send me several verification codes and told me to uninstall my Chime app from my phon. I did all he said to do. He would send me a verification code and ask me what it was. I was on the phone with him from XXXX until around XXXX. He kept saying he was having computer problems with downloading. 
With in that amount of time my address and phone number was changed on my account, there were XXXX transactions on my checking account from XXXX XXXX FL. There were XXXX transactions from XXXX for {$20.00}, XXXX transactions from XXXX for {$21.00} and XXXX transactions from XXXX XXXX XXXX in the amount of {$53.00}, {$54.00}, {$53.00} and {$64.00}. I called Chime and explained what happened, and they filled out a dispute form to return my money in the amount of {$1200.00}. On XXXX XXXX I received an email saying " Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. I called Chime after receiving this and said this is wrong. I live in WV and I did not make any purchases in FL. They reopened the dispute, and on XXXX XXXX I received the same letter. I did not make these purchases and I really need my money back. They wiped out my checking and savings accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 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:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX 



Im begging you plese remove this to the 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 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IA

Complaint narrative:
I emailed XXXX XXXX towards the end of this past XXXX requesting they change my payment plan from graduated repayment to standard repayment plan. They responded XX/XX/XXXX and said it would take XXXX business days to process. The day after the XXXX business day, I emailed them again as my account was still showing graduated repayment plan. I emailed them again a week later as I didnt get a response. It is now a week after that, and I have yet to hear back. I am able to log in and see that all of my loans with them are still on graduated repayment plan. They even took out a payment today, XX/XX/XXXX with the graduated repayment amount instead of the standard repayment amount. Really frustrated with the lack of response and because they wont change my plan, my loans will take longer to pay off and I will pay more interest over time which is not my goal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I've attempted several times requesting documents that proves this is my debt. XXXX XXXX XXXX XXXX XXXX XXXX. These are same alleged account with different debt buyers. Trying to collect same debt is violation, as well. Under 15 1692g, all documents I've requested they haven't since sent me any verification. Under the reinvestigation, they still could NOT verify this alleged debt. According to the law, 15 usc 1681iA5, if after reinvestigation, still inaccurate the item must be deleted immediately. The reinvestigation must be conducted at a highly manner of finding these inaccurate files. What procedures was done to verify this account? Furnishing inaccurate information knowingly with errors must be deleted. It's been well over 60 days too. It remove this item they can not validate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I've attempted several times requesting documents that proves this is my debt. XXXX XXXX XXXX XXXX XXXX XXXX These are same alleged account with different debt buyers. Trying to collect same debt is violation, as well. Under XXXX XXXX, all documents I've requested they haven't since sent me any verification. Under the reinvestigation, they still could NOT verify this alleged debt. According to the law, 15 usc 1681iA5, if after reinvestigation, still inaccurate the item must be deleted immediately. The reinvestigation must be conducted at a highly manner of finding these inaccurate files. What procedures was done to verify this account? Furnishing inaccurate information knowingly with errors must be deleted. It's been well over 60 days too. It remove this item they can not validate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: PA

Complaint narrative:
XXXX XXXX XXXX ran a hard inquiry on XX/XX/2023 with Transunion that was unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: HI

Complaint narrative:
Im not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on KIKOFF LENDING LLC. This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. KIKOFF LENDING LLC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was taken advantage of because I have a learning XXXX and a physical XXXX and now have to speak to this phone to write that someone has stolen and use my card to multiple place and I do not know who. Some people come to help me out sometimes to clean and to general help me out. all of the charges are not mine this is the second time and American Express is discriminating against me because of my learning XXXX and XXXX by refuse to help me. Please just help me. Im tired of people taken advantage of me. I didnt never authorize no one. The lady I speak did not even do anything to fix my balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 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: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation