vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: PA

Complaint narrative:
I never gave Equifax, XXXX, or XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. I have made multiple attempts by phone and mail to resolve the matter but they continue to negatively effect my livelihood, reputation, and ability to secure credit. 

They do not have any permissible purpose to furnish my personal information to any third party as I have the right to privacy per 15 USC 1681a. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I am aware of my federal rights as a consumer now. The company, and or agents are negatively affecting my ability to secure credit/loans. Furthermore, a charged off account is in tern considered income for the company in respect for tax purposes and income can not be furnished on a consumer report either. Again, this is not a request that the below referenced accounts/items be removed from my consumer report, but rather a DEMAND. I'll allow 15 days from receipt of this complaint to comply and remove the listed accounts before I begin to take legal action, seeking the highest remedy and resolution in court. 

As a consumer, I am demanding a deletion of the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-14 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: Chime Financial Inc
State: GA

Complaint narrative:
The dates start back from XXXX XXXX through the end of that month of this year when I notice the unauthorized charges. I kindly showed documents and proofs about the amount and they just straight denied me without any warnings or any investigation. They didnt even take the time out to investigate. Over {$190.00} was taken and stolen from my account. And they aint help me resolve this issue. In regards, me and my lawyer reaching out for a solution to this matter. Im a model and a video creator I have a business those funds is for my business to help me renew and expand and get everything I need for inventory, its outrageous. Im begging for any support to please help me retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: IL

Complaint narrative:
I had XXXX student loans for XXXX XXXX at XXXX  XXXX XXXX. The first was original principal of {$20000.00} with disbursement date of XX/XX/XXXX and repayment date of XX/XX/XXXX the owner of loan being the Dept of Education. The second loan was {$20000.00}, disbursement date of XX/XX/XXXX and repayment of XX/XX/XXXX, the owner of loan also being the Dept of Education. The loans were put on hold due to Covid and not started up again until XX/XX/XXXX. We made XXXX payments to the Department of Education, XXXX payments on XX/XX/XXXX for {$6300.00}, {$5200.00} and {$4500.00} and XXXX payment on XX/XX/XXXX for {$4500.00}, totaling {$20000.00} ( XXXX bank statements attached below ). However, Mohela did not apply these payments to our principal. The principal was only decreased to {$12000.00}, approximately only {$8000.00} in payments. Mohela is unable to locate XXXX of the payments since they were not the loan servicer or provider when the loan were originated. We contacted Mohela in XXXX and they were looking into finding other payments, the loans are forbearance. We spoke with them today with no further clarification on missing payments and we are still being charged interest on a false current principal balance. Our intention is to payoff the actual {$200000.00} balance but Mohela needs to find our missing apron {$12000.00} payment and remove any accrued interest on paid off loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX I received a text message from capital one automated text asking if I authorized a {$100.00} payment from XXXX. I replied back no. On XX/XX/XXXX I received a text saying it was charged. Upon further investigation on my part capital one has been paying XXXX for 5 years with a card that has been expired since XXXX, that they have on file. I have not been using XXXX as I have no reason to. I rarely use my home laptop and when I do it is for XXXX projects. I called the fraud department on XX/XX/XXXX and spoke with a rep and a manager. After discussing the situation thoroughly, I learned that XXXX only has to charge the expired card and get rejections 5 times and on the sixth time the transaction will be approved. At the conclusion of this call I was told that all of the charges would be investigated. Apparently the investigation has already been concluded and the previous years charges were not removed. I have never been able to any type of credit nor debit card passed the expiration date and I do not believe that I should be responsible for Capital Ones faulty system. I filed a complaint with capital one 's complaint department and the XXXX XXXX XXXX I was told by capital one that master card would provide XXXX with new cards credit card numbers when customers cards expired. I do not think I should be liable for the following charges : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each charge was XXXX. My interest rate is 28.15 % so each year the charges totaled XXXX. The total for XXXX years was {$1800.00}. I don't think I or any customer should be liable for charges to an expired card that master card and capital one authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: MO

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-11-14 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: GA

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-11-14 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: KS

Complaint narrative:
I had contacted EXPERIAN and had supplied the info from XXXX XXXX which is where they get the public record info from. They have ignored that the public records no longer exist and said on several occasions that they would do what they wanted. Since I can no longer contact via phone I'm going this route. I just want them to stop playing me and remove them.

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 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was contacted about a work from home job through email and when I replied they sent a text saying to get on XXXX XXXX for the interview. I went through the interview that lasted about 45 minutes with questions and then I got an email congratulating me on getting the job. After that they asked if I had a fax machine and other equipment and I had some but they wanted a specific laptop and data entry software and asked if I had worked with petty cash, but not until they had me fill out a W-4 and I9 and had a copy of my social security card and drivers license. They said they were the company XXXX. They then said they were going to send me a check to cover the supplies, when I asked where I would get the stuff they said they have a vendor that I just send the money to. They sent the check and I deposited it and told them I wouldnt do anything until their XXXX XXXX check cleared. They said it would clear the next day even though I said it takes 2-3 business. The check cleared the next day and the money was in the account. I researched XXXX and saw that it was a huge corporation and totally legit and the check had their logo and address on it. I wired the money to a CHASE account with the name XXXX XXXX and the routing # XXXX acct # XXXX with a XXXX XXXX, Utah address which I have as well. That night my account was overdrawn and the people I was talking to said thats never happened before and their accounting department would fix it in the morning. They disappeared after that and I could not contact them. XXXX XXXX was the name I spoke with on Teams. I have all the emails from them and screenshots of the FBI report. The bank denied the claim because XXXX XXXX  took the money back and the wire was taken from the account and now my account is overdrawn and they took our money and they didnt overdraw the account of the perpetrator. I thought a had a job and not I dont have a job and our bank account is overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with Lowes whose collection agency is Syncrony Bank is reporting a collection amount of a {$0.00} balance and was paid in full. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I do not know LVNV Funding is nor have I ever done business with them or been lent anything by this company for me to owe such debt, nor do I agree with this debt on my credit report as I never signed any type of contract with such company. They have yet to provide me with the original contract as I requested. They can not give me any information to show that this is debt I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: GA

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: LA

Complaint narrative:
The company is XXXX Credit Karma and I've always felt that my credit score wasn't correct on their site. I got my credit score from one of my credit card companies and my score is XXXX from XXXX. On XXXX Credit Karma, my score is XXXX and they just subtracted from my score because I spent {$70.00} on my XXXX XXXX 's card. I've always felt they were unreporting my score and I'm always getting new credit card offers and loan offers telling me that I have a 90 % or better approval rating. I fell for that once and I got zinged on my credit score thanks to XXXX  Credit Karma. I chatted with someone and I was told that I couldn't speak to anyone on the phone. The gentleman said that all they do are chats, no phone call was possible. They handled tax refunds for me and I don't remember it being like that but they were XXXX Credit Karma at the time. They were just Credit Karma. And I wasn't getting zinged on my credit score then like I am now. If I charge anything over {$100.00}, they would drop my credit score and now, it's {$70.00} and they dropped my credit score XXXX XXXX on XXXX and XXXXXXXX XXXX  on XXXX. I'm more than sure now that it's XXXX Credit Karma playing games with my credit score. I've gotten my credit cards paid down and I'm continually getting them paid down but it does reflect on XXXX Credit Karma site. On XXXX, my XXXX XXXX is XXXX and it has been higher than on XXXX Credit Karma for some time now. I think that it is called manipulation and that is what I've been experiencing from XXXX Credit Karma. For the last XXXX months my XXXX XXXX has been consistently lower on their site, I haven't been able to get above XXXX because I get zinged every chance that they can show that my score is lower. So, I know now that it isn't the Credit Reporting Agencies that are doing it but XXXX Credit Karma is scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-11-14 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: DC

Complaint narrative:
In accordance with the fair credit reporting act Account XXXX XXXX XXXX Has violated my rights 15 U.S .C 1681 section 602 A states : I have right to privacy 15 U.S.C 1691 section 604 A section 2 : a consumer reporting agency can not furnish account without my written permission

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 2023-11-14 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-14 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: DISCOVER BANK
State: KS

Complaint narrative:
I was advised my social security number and other financial information was leaked through the XXXX data breech. Ever since then, most of my banks end up with unrecognized charges. Someone is fraudulently accessing my accounts and doing major damage to me financially. 

My discover checking has more unauthorized transactions than I can count and my XXXX was also hacked. XXXX XXXX  sent me $ XXXX worth of payments but I didnt receive the first two, ( {$4000.00} & {$8400.00} ). Those two were stolen by a XXXX XXXX sent numerous emails and calls to XXXX and XXXX and I still havent got my money. You can see in the XXXX photos uploaded there is the name XXXX XXXX listed at the top of the notifications. 

This individual added my phone and email to her account so she could reroute my funds into XXXX account. XXXX advised my insurance company to take action and they have dropped the ball claiming that when they contact the issuing bank, which is XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX does not give them any access to the insurance companies financial information however, I have a document from XXXX instructing XXXX XXXX XXXX to take action, and to dispute the first two payments and question and XXXX would voluntarily without any issue. Go ahead and Refund those payments and send them to me, however, travelers insurance claims that their bank does not give them the option to do so If somebody could hold XXXX responsible and demand that they resend the {$12000.00}, I would be satisfied with XXXX, however, Discover, XXXX XXXX, XXXX, XXXX XXXX  XXXX, and XXXX all have outstanding balances

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14 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: GA

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. 

Account Name : XXXXXXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 SECTION 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation