vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMC and XXXX continue to report on my credit report after 7 years. 

I looked at some FCRA laws and it states Section 623 ( a ) of the FCRA generallyprohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. 

JPMC and XXXX continue to report on my credit report after 7 years. 


This is a violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Specialized loan servicing. 
Account number XXXX I have been trying to do a settlement on a HELOC for a property that is no longer owned ( original foreclosed upon 15 years ago ). I have been working with specialized loan servicing for 2 months only to continue to get run around asking for same documents time over time. 

I am requesting a settlement as I have paid for 15 years on a property no longer owned. 

Requesting help as they continue to give run around with no support I have never been late Rates keep going up Property not owned Original house foreclosed on 15 years ago.

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 2023-10-03 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: NJ

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Betterment LLC
State: NV

Complaint narrative:
Received email from Betterment that my account access was locked. Had to call them for verification. Spent time on the phone with them to explain everything they asked for and eventually with no other explanation just received an email a few days later that my account was closed. 
Had this account since XXXX  and this is unacceptable way to deal with clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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

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 2023-10-02 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: NY

Complaint narrative:
Equifax has not received written instruction to furnish a consumer report on my behalf in doing so Equifax is actively committing identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: TN

Complaint narrative:
I am a victim of identity theft. I filed the correct paperwork according to the FCRA and disputed my credit reports. These disputes are not being processed correctly and my paperwork is not being attached. And I am not getting copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: TN

Complaint narrative:
I am a victim of identity theft. I filed the correct paperwork according to the FCRA and disputed my credit reports. These disputes are not being processed correctly and my paperwork is not being attached. And I am not getting copies of the verification process. 

These are the accounts : XXXX 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 2023-10-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2023-10-02 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: IL

Complaint narrative:
There is information on my consumer report that is result of identity theft.i did not provide written permission or instructions for the identified transactions to be reported on my consumer report.i am requesting that the reporting of this information be blocked and deleted.my request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.the identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX You are required what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.i look forward to your response.

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 2023-10-02 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: EdFinancial Services
State: MN

Complaint narrative:
I contacted XXXX because they continue to report incorrect information about 2 old loan accounts I had with EdFinancial. I disputed these inquiries ( with documented proofs ) using XXXX 's online dispute form, and was contacted about a week later saying XXXX resolved the dispute. However, when I logged-in to see the resolution, all XXXX had done was send me a note saying I should call EdFinancial. When I originally submitted the dispute with XXXX, I informed them that I had already attempted to resolve this issue with EdFinancial but EdFinancial has not removed the incorrect information, nor have they done anything else to correct the error. The last time EdFinancial updated my file with XXXX was almost 1 year ago, and in the past year EdFinancial closed my account when they transferred my accounts to XXXX, where both my loans was subsequently completely paid and my accounts closed. I submitted all this information to EdFinancial and XXXX but they will not correct these errors in my credit report file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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:
I requested removal of unrecognized inquires via certified mail. 
Transunion sent a stall letter stating I needed to complete additional verification and it appeared that I did not prepare my own letters. After completing the additional verification via text/chat option I was unable to understand the additional requests for more documents. I decided to attempt to call several times I was disconnected by 3 different agents after introduction and stating my question. I was able to get an agent who also verified my identity via the telephone then informed me that I would need to send letters to the creditor then request letters back and then send those responses back to Transunion. I was told that my letters are not valid, and the agents requested that I use the online process. subsequently 48hours later Transunion reduced my credit score by XXXX points with no changes to credit file. 

to lose XXXX points without reason is outrageous!

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 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am writing to express my concern over an unsettling interaction with Chase Bank that led to the unfair closure of my account and withholding of my funds. 

A few months ago, I deposited a cheque at Chase Bank, which was my two months ' security deposit from my previous apartment. The said amount was successfully recognized and credited to my bank account within a few days. However, distressingly, Chase Bank proceeded to close my account suddenly, without prior notification. More worrisome is the fact that they retained my deposited funds and only provided a refund for the other balance in my account. 

When reaching out to Chase for clarification, I was informed that they could not release my funds before they successfully verified the management company of the apartment complex I previously resided in. It baffles me why they would credit the check to my account in the first place, only to later state that verification of the source of the funds was required. 

Chase Bank, furthermore, indicated that if verification was unsuccessful, my funds would be transferred to the state. It is unsettling that despite funds being clearly entitled to me, they wound up with control that they were not entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: CA

Complaint narrative:
I had an unauthorize transaction in my XXXX account, managing by Payfare on XX/XX/2023 for XXXX dollars. I called to support and they said that they were going to cantact me. I was waiting for more than 20 days and nobody called me. I called again and they said that because of the time that passed they weren't able to solve the problem and that I had to contact the store to fix it. I change my PIN number because they did not want to send me a new card, they said that I needed to pay for replace my old XXXX XX/XX/2023, I had another unauthorize transaction for XXXX dollars, this transaction was in IA and I'm living in a different state. I called again and XXXX times they hanged the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
i cancelled my phone with XXXX no service but they charged me anyway for months without any service or active line then few years go by then a account show up on report as late XX/XX/2023 and collection status by jefferson capital

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
Ive applied for XXXX assistance and it have been approved and the funds had been sent and I was able to confirm that it has been received from Flagstar. The payments has not been applied. The payments were suppose to be applied for XX/XX/2023 XXXXXX/XX/2023 plus to the escrow owed and then 3 payments going forward and the payment has yet to be applied as listed on the breakdown. Im so stressed. I have XXXX children and I do not want to lose my home.. Everytime I call I get different responses but they all see the funds are still sitting there.

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 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Student loan payments resume this month. I logged in to my account to make a payment, and they claim I owe {$990.00} TODAY. 

My total loan amount is {$14000.00}, to be paid off by XXXX. My interest rates are 4 %. I also received a XXXX XXXX, and was granted forgiveness before that was rescinded by the Supreme Court. I then applied for a payment plan adjustment. I am currently unemployed. 

Before XXXX pause, my payments were around {$120.00}. $ XXXX is literally insane. It's inexcusable, predatory, and borderline extortion. 

Aidvantage should be dissolved as a company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 



XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 


- Account Name : ALLY FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please.

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 2023-10-03 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I initially contacted Verizon Visa Card on XX/XX/XXXX, about a {$350.00} charge that was made on XX/XX/XXXX. I disputed the {$350.00} charge and requested a reversal of the charges on the basis that the merchant ( XXXX XXXX XXXX ) has gotten paid TWICE at my expense... How? Because XXXX XXXX XXXX is CONNECTED to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I paid XXXX XXXX XXXX {$350.00} on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX has deducted {$400.00} on behalf of XXXX XXXX XXXX XXXX 

NOTE : It takes weeks for a tax refund to be processed, so this is why we have the dates XX/XX/XXXX and XX/XX/XXXXXXXX  in my complaint The amount of {$350.00} versus {$400.00} is because of a discount I paid UPFRONT! 

If clients elect to have tax prepared service fees taken out of their tax return, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) will deduct tax service fees from the clients tax return ; pay the tax preparer, and send the client the remaining balance!

However, if fees are paid UPFRONT, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) WILL NOT DEDUCT any fees and will send the full amount to the clientNOTE : The client is meTerrance XXXX! 

***For further details please see all ( 6 ) attachments 1. Letter to Verison Visa Card 2. Copy of the IRS Tax Form ( 2nd page only ) 3. Copy XXXX Payment Receipt 4. Copy of Bank Statement 5. TPG Receipt 6. XX/XX/XXXX letter sent to me by Verison Visa 7. XX/XX/XXXX letter sent to me by Verison Visa Please read " Letter to Verison Visa Card '' -- -FIRST ... .IT EXPLAINS IN GREAT DETAIL OF MY COMPLAINT...

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 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
I received a debit card in the mail from Chime ( using XXXX XXXX, XXXX. ) which I did not request or sign up for. I called the phone number listed online ( not on the information received in the mail ), demanded the account be cancelled and ensure I would not be held accountable for any activity regarding this account. I'm now taking the time to file my report with the FTC, and Consumer Protection Bureau and review my credit reports at all bureaus. Thank you very much in advance for your support regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX has violated my rights. 

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

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 2023-10-03 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: FL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: FL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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