vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im confident that I pay on time, but I dont understand why Im being reported as late for some months. Per USC 1666b, any billing mistake should be corrected to show that I paid as agreed.

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 2024-09-14 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: OH

Complaint narrative:
I have previously disputed several accounts with the credit bureau for inaccurate reporting and because I had no knowledge of these accounts appearing on my credit report. Despite this, the credit bureau sent me a report stating that these accounts were verified. However, I have already disputed these same accounts through the CFPB, and none of them were able to verify the debt. I am confused as to how the credit bureau can now claim that the accounts have been verified. 

Given the credit bureau 's incompetence in handling this matter, I am requesting a thorough investigation. I have attached copies of my FTC report, a police report, my identification, and proof of address to support my case. Before I proceed with seeking legal representation against the credit bureau, I want this matter resolved properly. 

Below is a list of the accounts I believe to be fraudulent and in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$220.00} XXXX. Company/Organization : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$310.00} I am looking forward to a proper resolution to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Capital Services L.P . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Follow-Up Request for Debt Validation Account Number : XXXX CFPB Case # : XXXX Reference Number : XXXX Dear Resurgent Capital Services, I am writing to follow up on my original request dated XX/XX/year>, regarding validation of the debt referenced above. 
After reviewing your response dated XX/XX/year>, I have identified several deficiencies. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request full compliance in providing the required documentation to validate the debt. Specifically, I requested : 1. Verification of the Debt Amount : While you provided a summary balance of {$870.00}, you did not provide any evidence of a signed contract or binding agreement that establishes the legitimacy of this debt. Please supply proper documentation proving the validity of the amount owed.

2. Documentation of All Assignments : You failed to provide evidence showing the transfer of this debt from XXXX XXXX  to LVNV Funding LLC. Kindly provide copies of the assignment or bill of sale proving the legal transfer. 
3. Proof of Securitization : I requested evidence that the original creditor securitized the debt. This was not addressed in your response. Please provide the necessary documentation if applicable. 
4. Cease and Desist Collection Efforts : Despite my clear request, your letter does not acknowledge that collection efforts should cease until this debt is validated. I expect all collection efforts to stop immediately until this matter is resolved. 
5. Permissible Purpose : You did not provide a reason for accessing my credit information. Please state the permissible purpose under the Fair Credit Reporting Act ( FCRA ) for doing so without sufficient validation of the debt. 
Furthermore, under the Fair Credit Reporting Act ( FCRA ), you are required to cease reporting this debt to any credit reporting agencies until you have provided full validation. If this debt has already been reported, I request that you update my file to reflect that it is disputed. 
Additionally, please acknowledge in writing that you will cease all collection efforts until the requested validation is provided, as required by law. 
Failure to comply with my request within 30 days will result in immediate escalation, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for violations of the FDCPA and FCRA. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to formally file a complaint against Chase Bank due to a series of troubling issues with my account, which have caused significant distress and inconvenience. Below is a detailed account of the events : Description of the Incident : In XX/XX/2023, I started working with a new company and relocated to New York at the end of the month. Following recommendations, I opened a new account with Chase Bank. 
- In XXXX, I received physical paychecks and deposited them into my new Chase account via mobile deposit after confirming the procedure with my banker. I also began using my credit card and accessing funds from the account. I transferred some money to my brother in XXXX, XXXX XXXX, and added him as a beneficiary to my account. 
- Approximately XXXX days after these transactions, I attempted to log into my account and received an alert indicating that my account had been suspended due to suspicious activity and was under review. I reached out to my banker and Chases customer care via email and several long phone calls to inquire about the suspension and seek resolution - to which the only response I received was This matter is under Chases backend team and we do not have adequate information to reveal, the bank has decided to shut the account - My banker informed me that the issue was no longer under his purview, despite being my designated relationship manager. Customer care provided vague and unsatisfactory responses, citing that a backend team was handling the issue and that they could not release my funds or disclose the reasons for the suspension due to confidentiality, which I allegedly consented to. They indicated that some verification was pending, requiring my employers name and number, which I promptly provided. 
- Despite providing the required information, there was no progress. My account remained suspended, and I faced the following difficulties : - XX/XX/XXXX : My account was closed. 
- XX/XX/XXXX : I visited the bank in person to address the issue. 
- XX/XX/XXXX : I provided additional verification details. 
- XX/XX/XXXX : I called again, only to be informed that no further assistance could be provided until the due verification was completed with the issuer of my pay-checks. 
- Note, all necessary details from my end ( employer name, designation, number ) was provided- however I was told that this would not be sufficient and they require some other number - Approximately XXXX funds are currently withheld by Chase till date due. 
- Until the last call made, my online banking services were also blocked with no due reason and I had to request them multiple times to at least activate that so as to access details about credit card transactions, which was eventually done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase bank had a {$200.00} sign up bonus in XXXX for the freedom unlimited credit card which you would receive after spending {$500.00} in the first 3 months, which i did. Its been 6 months now and still havent received it. Called multiple reps and they wouldnt honor it even after demonstrating them the screenshots i have in my email of the offer. I sent a direct message with the screenshots of the promotion when I signed up for it and they still wouldnt honor it. Terrible business. Disappointed in Chase, glad i have XXXX now and will be switching banks and closing my accounts there. Filed a claim and a complaint with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently looked into my credit reports and found that an account wasn't reporting accurately. I had one late payment on my XXXX  XXXX account that was paid on time. The credit reporting agencies need to report all information with complete accuracy. My XXXX  XXXX account has not been late on payments. I have attached a copy of my reports to this complaint on the following date XX/XX/year>. Im now requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-09-14 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: NC

Complaint narrative:
I recently looked into my credit reports and found that an account wasn't reporting accurately. I had one late payment on my XXXX  XXXX account that was paid on time. The credit reporting agencies need to report all information with complete accuracy. My XXXX  XXXX account has not been late on payments. I have attached a copy of my reports to this complaint on the following date XX/XX/2019. Im now requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-09-14 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: TN

Complaint narrative:
( XXXX XXXX ), ( XXXX, ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) and a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. Both of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that both of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), a charge-off should be reported once, reflecting the date it was charged off, and should not continue to appear as if a new charge-off is happening monthly.

Navy Federal continues to report the account as charged off each month. Instead, the charge-off should be noted as a single event, and subsequent reporting should reflect the status of the account, such as unpaid, settled, or in collections.

Multiple charge-off entries for the same debt should not appear on a monthly basis.

The debt should appear only once, with subsequent updates reflecting status changes. Navy federal is reporting charge off every single month and reaging negatives. They are reporting inaccurately as new charge offs every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONXXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Someone took out credit card under my name. They stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.1682c-2 ) that you Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of mobile telecommunication for XXXX open XX/XX/XXXX, XXXX XXXX XXXX reported on XXXX and gym memberships open XX/XX/XXXX for XXXX XXXX XXXX and XXXX XXXX open on XX/XX/XXXX. These accounts have resulted in fraudulent collections and charge offs appearing on my consumer FICO credit report maintained by you which shows aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or charge offs are resulted from this matter. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer charge off collection accounts resulted from 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 2024-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been reaching out to Navient for almost 10 years asking for some sort of relief. All they have done is place me into interest only payments after I no longer qualified for forbearance. My private loans pertained to XXXX University which was closed for predatory practices. My Federal students loans have been discharged for predatory practices ; but Navient keeps saying that my private loans do not qualify for this program. When in fact they qualify under the Holder Rule. 

Over the last 10 yrs I have paid over $ XXXX in interest only payment and currently owe $ XXXX with no relief in site. Why do the private loans not qualify when Navient has done everything they can to prevent me from being able to pay these loans off. 

I have asked how I can get the co-signer off, that was a lie because they keep telling me I can not. Yet, when my cosigners signed for me they said after XXXX consecutive years of making payments I can remove them. 

Right now they currently have my payment at {$640.00} a month, for just interest. Regular payments would be almost XXXX. I can not purchase a home and i struggle to make the income only payment for a degree that does not mean anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: OH

Complaint narrative:
I am writing to formally dispute the appearance of several unauthorized accounts and inquiries on my credit report, which I have determined to be the result of identity theft. Under the Fair and Accurate Credit Transactions Act ( FACTA ), Section 605B, I am requesting that these items be blocked from my credit report as soon as possible to prevent further damage to my credit history. 
The following accounts were opened fraudulently without my consent or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please note that all the above creditors have already been notified about this incident. As per FACTA Section 605B, I am requesting that these fraudulent accounts, along with any associated records and inquiries, be blocked from my credit file. The action is to be taken within four business days of receiving this documentation, preventing these items from affecting my credit score and from being used in credit decisions.

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 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
this is illegal due to code : 15 U.S. Code 1681- Congressional findings and statement of purpose capital one charged off my account and now i been getting none stop calls and spam mails daily

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I raised my concern to another representative and they basically said theyre sorry and thats it

Company response to consumer: Closed with explanation