vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The FCRA states that it is EXPERIAN 's duty to report correct and accurate information on my credit report and file. However, they are NOT doing that. EXPERIAN is reporting inaccurate late payments for the XXXX XXXX XXXX  XXXX account ending in XXXX. The inaccurate late payments include 150 days delinquent on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, according to XXXX5 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give EXPERIAN written instruction/ permission to furnish the inaccurate late payments on my credit report or file- violating 15 U.S.C. 1681b ( a ) ( 2 ). With all said, it is clear that EXPERIAN has violating my consumer rights and the reporting of the inaccurate late payments has cause me and my reputation severe harm and discrimination.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The FCRA states that it is TRANSUNION 's duty to report correct and accurate information on my credit report and file. However, they are NOT. TRANSUNION is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. These inaccurate late payments include 120 days past due on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, according to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payment results in TRANSUNION violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give TRANSUNION written instruction/ permission to furnish these late payments on my report or file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is CRYSTAL clear that TRANSUNION has violated my rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: OH

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 XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : 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 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: OH

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 XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXE # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXXE # XXXX, Account Name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: UT

Complaint narrative:
I submitted my PSFL form for the determination of COVID criteria to MOHELA on XX/XX/XXXX. I never received confirmation of submission, so resubmitted on XX/XX/XXXX. 

MOHELA chose to CANCEL both PSLF  determination forms due to " duplicate submission '' but their online portal says they have been " Processed '' and notification of determination would be sent in 7-10 days. I have screen shots of the website to document this. I called after finding about the cancellation on XX/XX/XXXX - and they said they would reprocess the forms. It appears they chose to just CANCEL the whole process on XX/XX/XXXX. 

I was never notified of anything during this process. No phone call. No email. No letter. All of my contact information is up to date. 

I would like my on-time PSLF form to be honored and processed ASAP. It was submitted nearly 6 months ago and they have literally done nothing to honor this federal decision of which I followed all instructions. They have lied to me about the submission status and used their own processing mistakes as a means to drag this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I drove to the XXXX XXXX, CA parking lot located near XXXX XXXX XXXX XXXX around XXXX. I left my wallet and phone in my vehicle, then locked my car key in a storage box secured to the top of my vehicle. When I returned to my vehicle approximately 2.5-3 hours later, I found my storage box open where the car keys had been secured. I could not access my vehicle which was locked. I borrowed a phone from a stranger ( XXXX XXXX ) and my first call was to Chase Bank to report that I believed my wallet had been stolen. The Chase representative asked me if I had purchased something from XXXX and XXXX XXXX and I immediately told him no, that my wallet had been stolen, I did not authorize those purchases and that all my 3 Chase cards were stolen as well and possibly being used to make fraudulent purchases. I directed him to immediately cancel all my 3 cards, my Sapphire card, XXXX XXXX, and visa/debit card. 

I soon learned that my cellular phone had also been taken and that 3 of my Chase cards were taken and used in fraudulent purchases. When I was able to get my spare car key, I filed a police report. In the next few I spent several hours on the phone with Chase representatives and explained what had happened and opened claims for the fraud that had occurred on my accounts and I also requested new cards. Immediately all of the charges on my 3 cards were reversed pending the investigation. The two Chase credit card departments found in my favor, however on XX/XX/XXXX Chase reversed the reversals of two charges for my ATM/credit card and denied my claim of fraud ( claim # XXXX ), resulting in two fraudulent charges and they deducted the money straight from my checking account. These two charges were {$4700.00} from XXXX and {$3100.00} from XXXX ( total of {$7900.00} ). 

What I believe happened based on my subsequent conversations with Chase was that the thieves had stolen my phone and received a call from Chase on XX/XX/XXXX while at XXXX and they pretended to be me and authorized the charge. Chase must not have used any kind of verification to make sure it was me. They never followed up to get security footage which would have showed that it was not me. They did no investigation whatsoever. I have contacted chase several times in subsequent months including in XX/XX/XXXX and they told me to fax them additional information and indicated that they would fix the problem ( attached ), however they have strung me along and done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Hello, my account XXXX was suddenly restricted, saying " Because you have continuously filed cases that do not align ... outlined in our User Agreement '', but since opening the account in 2020, I have been using paypal to buy goods normally, and I have not sold any goods and receive money, I don't know Why is my normal purchase of goods also considered to be a violation of the terms, is there any misunderstanding? If you need authentication, I can provide that, and up to now, in the past 3 years, I have only appealed 3 times, but I did file a complaint because the item was faulty and not received, 1 successful, 2 failed, The two times I failed I bought from XXXX, which is a second-hand trading site, but I was scammed by the seller Case ID XXXX, The seller sent me a fake, I submitted evidence, and you agreed to return the product, but you did not give me the return address, and I contacted the seller without any reply, and there is no entry on the appeal page to contact you, I can only fill in the tracking number and then send a message, but you did not reply, the case was closed, and the appeal failed. I just want to know the return address. I did not submit an invalid tracking number on purpose. Case ID XXXX, I bought a piece of XXXX clothes. The seller told me that he is also in OR state, and we can trade face to face, but for safety reasons, I asked him use XXXX  to send, but it has not been delivered. I checked the package is sent from PA state, I contacted XXXX, XXXX said that the sender of this package is XXXX, and I saw a newly registered seller on the XXXX  website selling the same clothes, the same pictures and descriptions, I realized that I was deceived, so I filed a complaint, but I don't know why I failed, I can provide more evidence, and you can also contact XXXX, I am telling the truth If you want more proof, I can provide it. I am using your service normally and have not violated any terms

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I called XXXX to ask why were collection companies were still able to access my credit report even if i had a credit freeze and fraud alert.I explained to the man on the phone that my information was compromised. My neighbor who has a collection company and has been selling my information and placing my name, address, social security number and family members names on the dark web and a lot of other sites, i was able to removed 82 so far however he continues to do this i've had 12 alias and address ' going back 40 years placed on my reports .When i finished the call a new collection from XXXX XXXX XXXX XXXX XXXX XXXX placed on my XXXX credit report and my score went down XXXX points. For a year and a half this is been going on there has been a lot of traffic on my reports why isn't anyone seeing 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I called XXXX to ask why were collection companies were still able to access my credit report even if i had a credit freeze and fraud alert.I explained to the man on the phone that my information was compromised. My neighbor who has a collection company and has been selling my information and placing my name, address, social security number and family members names on the dark web and a lot of other sites, i was able to removed 82 so far however he continues to do this i've had 12 alias and address ' going back 40 years placed on my reports .When i finished the call a new collection from XXXX XXXX XXXX XXXX XXXX XXXX placed on my XXXX credit report and my score went down XXXX points. For a year and a half this is been going on there has been a lot of traffic on my reports why isn't anyone seeing 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: FL

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  Date : XX/XX/XXXX Account name : XXXX XXXX Date : XX/XX/XXXX Account name : XXXX. Date : XX/XX/XXXX Account name : XXXX XXXX XXXX Date : XX/XX/XXXX Account name : XXXX. Date : XX/XX/XXXX Account name : XXXX XXXX XXXX Date : XX/XX/XXXX Account name : XXXX Date : XX/XX/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 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 2023-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One claims that in using their virtual card on the internet, a one-time only payment can be used by the merchant, thus making card payments on the internet completely safe for the customer since no one could ever use that number again to debit the card. On XX/XX/XXXX I made a payment for a year-long trial subscription to XXXX XXXX XXXX XXXX a travel club which finds great airline fees. I used the Capital One virtual card since I did not want the merchant to charge me again. However, on XX/XX/XXXX a second charge was charged to my card for {$69.00} by XXXX XXXX XXXX, using the same " one-time virtual card '' as the previous year. I called Capital One immediately on the same morning and was told by XXXX XXXX? ), a supervisor, that it was their mistake -- the virtual one-time payment card should never be able to be used again -- and he had " fixed it '' so that it would not happen again. He refused, however, to refund the money, saying I would have to first dispute it with the merchant. Then if I failed there I would have to fill out several Capital One forms and send it to them. All of this had to happen in about the next two weeks. It is neither the merchant 's nor my fault and it is outrageous that it should be my problem and I should have to dispute with the merchant ( who did in fact deliver what he promised immediately after the payment ). To make matters worse, I have to be in XXXX in a week for a lengthy period -- and completely unable to deal with this. 
I have no documentation since everything on my end was done via the internet. However XXXX assured me he had documented everything in our call this morning. He had all the information, including even the virtual number I had used in the original purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The consumer reporting agencies stated that they properly investigated my account with XXXX XXXX XXXX XXXX and XXXX XXXX but how is that possible if the amount on XX/XX/2022 is reporting inaccurate information. I have tried to fix it with furnisher and consumer reporting agencies but it has only stressed me out more. They have violated my rights and since my consumer report is inaccurate and incomplete I demand immediately deletion from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The consumer reporting agencies stated that they properly investigated my account with XXXX XXXX XXXX XXXX and XXXX XXXX but how is that possible if the amount on XX/XX/2022 is reporting inaccurate information. I have tried to fix it with furnisher and consumer reporting agencies but it has only stressed me out more. They have violated my rights and since my consumer report is inaccurate and incomplete I demand immediately deletion from my consumer 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 explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Acct closed date : XX/XX/XXXX Written off in filed for payoff on taxes tax year XXXX. Company has confirmed this debt has been paid in written off. Numerous attempts to remove negative impact in nothing has been done.

Company response to consumer: Closed with explanation