vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$910.00} Closed XXXX XXXX  Reported : XXXX XXXX, XXXX + {$1000.00} Closed COMENITYBANK/COMENITY CARD Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX  XXXX Reported XXXX XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX - {$3900.00} Needs Attention I never opened these accounts, I've reached out to these creditors several times explaining someone opened these fraudulently. I've asked them to remove these

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: UPGRADE, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXXXXXX XXXX {$910.00} Closed XXXX XXXX  Reported : XXXX XXXX, XXXX + {$1000.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed UPGRADE INC Reported XXXX XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX - {$3900.00} Needs Attention I never opened these accounts, I've reached out to these creditors several times explaining someone opened these fraudulently. I've asked them to remove these

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXXXXXX XXXX XXXX IQ DATA INT IQDXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: TX

Complaint narrative:
I recently obtained a copy of my credit report from your service and have found the following items to be in error. All the credit cards below have a XXXX XXXX. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 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 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 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 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 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 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} In good standing Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently obtained a copy of my credit report from your service and have found the following items to be in error. All the credit cards below have a XXXX XXXX I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 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 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 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 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 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 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 In good standing Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: TX

Complaint narrative:
I recently obtained a copy of my credit report from your service and have found the following items to be in error. All the credit cards below have a XXXXXXXX XXXX. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 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 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 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 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 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 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 In good standing Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
According to 15 USC 1692 ( C ) you have violated my rights by unlawful communication please remove this collection ( court costs, inquiries etc ) off my credit reports. This account is involved in litigation. I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Technical Murder of the Living Man to create a LEGAL PERSON for USURIOUS CONSIDERATIONS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX our trusts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  unjust treatments

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I called Equifax XX/XX/XXXX because I could not get into my account to unfreeze my credit. After waiting on line for almost an hour, I finally made contact with a live person. She took my information, etc. and said she had taken the freeze off. She didn't know why I couldn't access my account to do it myself. 

Today, XX/XX/XXXX, I found out the freeze had NOT been taken off. I still can not access my account. I have been on hold off and on since XXXX XXXX It is now XXXX XXXX 

This is a terrible company. This problem may cause me to lose my opportunity at a new townhouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Thursday XXXX XX/XX/year>, I contacted Chase Bank regarding a suspicious charge of {$500.00} from a XXXX XXXX XXXX XXXX XXXX. The Chase employee stated that he was submitting a claim to stop the payment and cancelling my card. I was advised that a temporary credit would be placed on my account for {$500.00}. The following day XXXX XXXX, I contacted Chase again because the charge was still on my account. I was advised the previous agent did not submit a claim and there was no history of me making that request. The previous agent only cancelled my card. The agent then refused to submit a claim. I requested an escalation of the call at which point I was placed on hold. I was then advised that they will submit the claim and that the refund would take a business day. I contacted Chase again on XXXX XXXX and was advised the refund would be placed on Monday XXXX XXXX by the end of the business day. The morning of Tuesday XXXX XXXX, I noticed no refund for the {$500.00}. I also noticed duplicate charges from XXXX pay ; one for {$410.00} and {$400.00}. These appear to be duplicate of charges from XXXX. My account is now overdrawn {$1100.00}. All of these charges are fraudulent but your customer service has done nothing to resolve this. I requested an investigation for the missing {$500.00} as well as the XXXX XXXX charges of {$400.00} and {$410.00}. None of the customer service agents I have spoken too has been able to resolve this at all. This is fraud possibly being conducted by an employee. I have already notified my employer : XXXXXXXX XXXX of this fraud and will be contacting the States Attorney. This looks to be done internally and possibly an employee messing around with my account. I will also be cancelling my direct deposit until the origin of this fraud is determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
Truist Bank offers simple checking with Visa Debit Card / ATM card.

Debit Card purchases are considered cash purchases and aren't credit or line of credit to a bank account. A Debit card is used where Visa purchases are accepted. When consumer / account holder reports a discrepancy or disputes a purchase or transaction ; the Customer Service dispute claims department takes the information and submits it to a Claim Analyst ; the Analyst is unknown to the consumer and doesn't communicate with the consumer. Most times the conversation are recorded or monitored ; in some cases the consumer disputing a transaction relays the information to representative then process the data and sends to Analyst to review the claim. It's unknown how the Analyst processes the claim. Consumer were advised that the Dispute had been analyzed and reported no discrepancy with the transaction. However, upon reviewing the dispute and going over the actual line of communication ; person taking the initial claim of dispute report made errors in the claim itself. To clarify ; Consumer had paid transaction with another card and were requesting the debit be charged back. 
The error by Truist in collecting the accurate information is reason the dispute were denied. The transaction was a duplicate payment made by the Consumer, not a duplicate debit card charge made by the Merchant. The Merchant charged a second card with the same amount ; {$490.00}. When Merchant uses two different cards ; for duplicate payments, only one charge appears on each card. Although the transaction were overpaid by the consumer.

Trust Bank is refusing to credit back the consumer and indicating the Merchant didn't duplicate a payment to the Truist Card. Even though the Merchant collected same payment on another debit card.

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 2024-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
Mohela was transferred my loan from XXXX months ago and refuses to put me into legal administrative forbearance and will not process my request for a SAVE as XXXX failed to process it as well so they can illegally bill me money I do not owe nor can afford. I had a reduction in pay to 66 % due to XXXX XXXX XXXX XXXX XXXX and provided documentation. I also provided it to Mohela. Instead of processing my application they RAISED THE PAYMENT TO OVER {$4000.00}! Not only is this more money than I ever make in a month, it is illegal as I asked to lower my payment as I am on reduced pay. They continue to bill me despite Biden Administration telling them to put me into administrative forbearance and despite XXXX never processing my SAVE application from XX/XX/2023 so now they are messing with my credit and illegally trying to formulate a payment schedule so I pay all this money in ten years. Also, I am in PSLF program and have 4 years left where I have forgiveness so I will never be able to pay back hundreds of thousands of dollars quickly anyway. I am supposed to be in a 25 year plan under SAVE and in administrative forbearance. I have received no help form XXXX nor from Mohela and it is greatly impacting my life. This is an urgent situation and I am formally asking for help from CFPB to escalate this as I am a person with XXXX a federally protected XXXXXXXX and this is all illegal. 

As of today, MOHELA HAS NEVER PROCESSED MY SAVE APPLICATION FROM XXXX XXXX XXXX which is TOTALLY ILLEGAL. I am calling the federal government to show the paper trail of complaints on CFPB dated from XXXX XXXX XXXX to prove that neither XXXX nor Mohela has ever processed my SAVE APPLICATION AND THIS IS ILLEGAL. Despite the recent court ruling I applied over A YEAR AGO FOR SAVE AND THEY NEVER PROCESSED IT> Also I have repeatedly asked for the mandated administrative forbearance and Mohela continues to break the law and not apply it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation!

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 response to consumer: Closed with explanation